Request for Guidance on Insurance Repair Process
I was rear-ended last week by a driver who is insured by Allstate. Following my discussion with Geico, my insurance company, I’ve been advised to deal directly with Allstate since they are accepting full liability for the accident. This implies that I can resolve everything through Allstate, or I can opt to pay my deductible and go through my insurance, which will eventually seek reimbursement through subrogation.
Allstate has suggested that I use their network of repair shops for the repairs, but they also mentioned that I could choose my own shop. I have some reservations about using a shop that is primarily focused on maintaining a good relationship with Allstate. Would going with my own repair shop make this process significantly more complicated?
My car is less than three years old, and I bought it brand new. I take great pride in its appearance and want to ensure it’s restored as closely to its original condition as possible. While I understand it may not be perfect, I am not willing to settle for subpar or average quality work.
Additionally, it appears that the cost for OEM parts is only slightly higher than the aftermarket parts quoted by the Allstate-approved repair shop. How challenging would it be for me to cover the difference to ensure my car gets the OEM parts?
It sounds like you’re in a bit of a tough spot, but you’re approaching it thoughtfully! Here are some things to consider that might help you navigate this insurance repair process:
Using Your Own Shop vs. Allstate’s Network: If you’re concerned about the quality of repairs from a shop that may prioritize its relationship with Allstate, it’s perfectly reasonable to choose your own repair shop. Make sure to choose one that you trust and that has good reviews, ideally one that specializes in your car’s make and model. Just be prepared that you may have to advocate more for yourself in terms of getting approvals from Allstate.
Repair Quality Concerns: Given your meticulousness about maintaining your car’s condition, ensuring the repairs meet your standards is crucial. If you’re leaning towards your own shop, communicate your concerns with them upfront—they can often provide you with reassurance about their approach to the repair and use of parts.
OEM vs. Aftermarket Parts: It’s great to hear that the price difference isn’t significant! You would typically need to negotiate this difference directly with Allstate. Document everything—quotes, emails, etc.—in case you need to reference this later. Be upfront with Allstate regarding your desire for OEM parts; if they understand how much you care about your vehicle’s condition, they may be more inclined to accommodate your request.
Covering the Difference: If Allstate agrees to using OEM parts, you should ask if they’ll cover the full cost or just the amount they quoted for aftermarket. If you need to cover the difference yourself, clarify how to process this with Allstate, as well as how to ensure the repair shop gets paid.
Keep Records: In any interaction with Allstate (or any insurance company), keep records of your communications, including names, dates, and details discussed. This can protect you if any issues arise later.
Consider a Third Party Adjuster: If you feel overwhelmed or unsure, you might even consider hiring a third-party adjuster. They can often help you navigate negotiations with the insurance company and ensure you get what you rightfully deserve.
Patience and Follow Up: Lastly, the process can sometimes take time, so patience is key. Don’t hesitate to follow up regularly to keep everything moving.
Ultimately, it’s about your peace of mind and ensuring your vehicle is repaired to your satisfaction. Don’t rush into a decision—take your time to find the best solution for you!