- Who pays for the repair of my vehicle?
- Will the insurance company guarantee the repair work?
- Am I required to use a repair shop on my insurance company’s list?
- Do I need to get three estimates?
- What if another body shop or the insurance company provides an estimate that is different from yours?
- What about the use aftermarket, reconditioned or used parts on my vehicle?
1. Who pays for the repair of my vehicle?
If the damage to your vehicle is the result of your error and you have comprehensive and /or collision coverage, then your insurance company pays for the repairs (less your deductible). You are responsible for paying the deductible amount directly to the body shop upon completion of repairs.
If the damage to your vehicle is a result of the error or negligence of someone else, then their insurance company is responsible for paying the full amount of the repair cost.
2. Will the insurance company guarantee the repair work?
The collision repair facility guarantees its own work. An insurance company or other third-party cannot effectively guarantee the quality and thoroughness of the repairs. Click here to view Capitol’s Limited Lifetime Warranty.
3. Am I required to use a repair shop on my insurance company’s list?
No – who does the repair is entirely your decision. An insurance company may make a recommendation, but they cannot require you to take your vehicle to a facility of their choosing.
4. Do I need to get three estimates?
No – there is no law that requires you to obtain three estimates. You have the right to have your vehicle repaired at the facility of your choice.
If you are dealing with a private party or an insurance company that does not have a local claims office, it may expedite your repair process to obtain more than one estimate. Do not get an estimate from any collision repair facility that you would NOT want to repair your vehicle.
5. What if another body shop or the insurance company provides an estimate that is different from yours?
Differences in repair estimates are common. Some repair operations are based on the appraiser’s judgment and may vary. A difference in the collision estimating software used by the insurance company or another shop may also result in variations.
We will go over any body shop or insurance estimate with you line by line. We want you to have all the information you need to make informed decisions about the repair of your vehicle.
6. What about the use aftermarket, reconditioned or used parts on my vehicle?
Original equipment manufacturer (OEM) parts are made by the manufacturer of your car and are generally higher quality and better fitting than aftermarket parts, which are made by non-OEM suppliers. The decision to use non-OEM parts for the repair of your vehicle should always be yours; however, many insurance policies now give the insurance company the sole right to make this economic decision. Be sure you know the terms of your policy. Capitol Body Shop will not use any parts deemed to be unsafe or substandard.
What to do if you are involved in an accident:
- Stay at the scene of the accident. Check the safety of passengers in all vehicles involved. Turn off ignition switches to reduce the risk of fire. Do not attempt to move any seriously injured persons unless their vehicle is on fire.
- Get important information at the scene. In addition to obtaining information from other drivers, be sure to get the names and phone numbers of any witnesses or people who stopped to help.
Print out the Accident Checklist form on this page and keep a copy in your vehicle. This form provides a helpful “fill in the blanks” record of the information you need to obtain.
- Share only pertinent information at the scene. Provide your driver’s license, registration, insurance information and contact information only to other drivers and police officers. Do not discuss accident details with anyone except the police. Do not discuss responsibility with anyone except a representative of your insurance company.
- If your vehicle is not drivable, the police will call a wrecker service from their approved list unless you specify who you would like to use. Call Capitol Towing at 601-936-6700 or have the police make the call for you. If your vehicle is drivable, see us as soon as possible for a damage evaluation.
- Notify your insurance company of the accident as soon as possible and that you want Capitol Body Shop to handle the repair