Advice Needed for Insurance Repair Process
I was rear-ended last week by a driver insured with Allstate, and my insurance (Geico) has advised me to work directly with Allstate, as they have accepted full liability for the accident. This means I can handle everything through Allstate, unless I prefer to pay my deductible and go through Geico, which would later seek reimbursement from Allstate.
Allstate has recommended that I use their network of repair shops, but they mentioned I can choose my own. I’m a bit hesitant to go with a shop that may prioritize Allstate’s interests. Would opting for a shop of my choice create more complications in this process?
My car is less than three years old and I bought it new, so I’ve been meticulous about keeping it in pristine condition. While I understand that it may not return to its perfect state, I won’t settle for anything less than high quality.
Additionally, I’ve noticed that the costs for OEM parts are not much higher than those quoted by Allstate’s repair facility for aftermarket parts. How challenging would it be for me to cover the price difference for the OEM parts?
I’m sorry to hear about your accident, but it’s good that Allstate is accepting full liability. Here are some points to consider as you navigate through the insurance repair process:
Using Your Own Shop: If you have a trusted repair shop that you’ve used in the past and feel confident about their quality, you should definitely consider going with them. While Allstate may prefer you use their network of shops, you have every right to choose your own repair facility. Just be aware that there might be some initial legwork to ensure smooth communication between Allstate and your shop, but many reputable shops are well-versed in dealing with insurance companies.
Quality of Repairs: Since you are particular about the state of your vehicle, going with a shop you trust is crucial. Shops in Allstate’s network may prioritize speed and cost-efficiency, which could lead to compromises in quality. It’s worth discussing your concerns with your chosen shop—the best ones will be upfront about how they handle insurance claims.
OEM vs. Aftermarket Parts: If you prefer OEM parts, inquire with your repair shop about the cost difference between the quoted aftermarket parts and the OEM options. Many shops can give you a breakdown of costs and explain the benefits of using OEM parts. If Allstate approves the use of aftermarket parts and you want OEM, it is usual for the vehicle owner to cover the difference. Just confirm with your shop that they can use the OEM parts and what that would entail in terms of payment.
Communicate with Allstate: As you decide, keep Allstate informed of your choices. Make sure to document everything, including quotes and communications. This will be beneficial should there be any disputes later on.
Deductible Consideration: Since Allstate is accepting liability, you shouldn’t have to worry about your deductible if you go through them. However, if you opt to go through your own insurer instead, keep in mind that you will need to pay your deductible upfront, and they will handle subrogation afterward.
Ultimately, it’s about what makes you feel most comfortable with the end result. Trust your instincts and make sure you communicate your standards clearly with whoever you choose for repairs. Good luck!