For purposes of this website "Steering" is defined as the practice of insurance companies directing First Party Insureds and/or Third Party Claimants to or away from specific repair facilities or providers.
It should first be noted that such a practice, now pervasive throughout the insurance industry, is in direct violation of the 1963 Federal Consent Decree. That Consent Decree resolved a suit brought against the insurance industry by then US Attorney General Robert F. Kennedy.
That suit alleged a conspiracy had existed among 235 different insurance companies to artificially suppress insurance claims and defraud consumers. Steering was one of the elements of the alleged conspiracy.
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Yes, if you have rental coverage. Also check with your agent or insurance company to see how much of the rental is covered; some policies pay the full amount, some will only pay a percentage. If the claim is a liability claim (the accident was not your fault), the full amount will be covered.
If you need a rental car, we can help you make the necessary arrangements. Click HERE to find out more about our rental car services.
You will be notified by phone when your vehicle is ready to be picked up. Feel free to call or e-mail your advisor during the repair process if you have questions or concerns.
Yes. We guarantee all of our repairs with a written Limited Lifetime Warranty.
It will be your responsibility to pay America's Auto Body when you pick up your vehicle.
You can wash the vehicle immediately. Wash the vehicle by hand with cool water and a very mild car wash solution using a soft cloth, sponge, or mitt.
Do not wax or polish the vehicle in the first 90 days. This will allow the finish to cure completely. After the first 90 days keep a coat of polish or wax on the vehicle. This will help keep your finish looking new.
No. When you purchased your insurance policy, you signed a contract saying you will pay the first amount of the claim up to your deductible. Repairers should not be asked to hide the deductible. That practice would constitute fraud by both the shop and consumer. The penalties for insurance fraud are severe. If a shop offers to save your deductible, they are absorbing that at your cost. They are not doing the said repairs in order to make up for your deductible. This could lead to unsafe and unsatisfactory repairs which will ultimately cost you at some point.
No, it is up to you to decide how many estimates you would like and if you want to discuss the repairs with more than one shop. If you have selected a shop, have your insurance company deal directly with them.
Yes, it is your responsibility, and your right, to choose who will repair your vehicle.
Subrogation is the process by which your insurance company pays for the repairs to your vehicle, and is obligated to collect from another insurer or party. Your collision coverage will require you to pay your deductible, which may be refunded once the other party pays.
The cost of repairs plus the value of the vehicle in damaged condition (salvage value) - is greater than the actual cash value (ACV) of the vehicle prior to the accident.
The insurance company will assign an appraiser to inspect the vehicle to determine its condition prior to the accident, or in some instances allow the repairer to make the determination. They may use a vehicle evaluation service or the newspaper to determine pre-accident value. The owner should also determine the value independently.
Sometimes. If you feel the ACV offered by the insurance company is too low, then you are obligated to prove this either through documented receipts of vehicle enhancement or written statements by qualified experts to determine the proper value.
The insurance company will sell it to highest bidder, who will either dismantle for parts or resell it after repairing it.
You have the right to retain ownership of the vehicle, but the amount of the settlement may be reduced by the salvage value.
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