17 Martin Luther King Avenue • Morristown, NJ 07960 • (973) 267-7665

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Morristown Autobody Frequently Asked Questions

Q. Can an insurance company tell me where I have to take my car for repairs?

A. No. By law, the decision is yours.

Q. Do I need to obtain three written estimates?
A. No. The insurance company must work with the repair shop you have selected.

Q. What if the insurance company gives me a check for repairs? Do I need to find a repair shop to do the repairs for that exact amount?
A. No. We can contact and work with the responsible insurance company if we find any hidden damage or related repairs that may have been missed on the first inspection.

Q. What if the insurance company is not responding to me in a timely fashion?
A. Just call us and we can assist you in moving the process along if you are ready to have the repairs done.

Q. What if I need to rent a car? Who pays for it?
A. The at-fault insurance company is responsible for the cost of the rental car. We can help you make rental arrangements and even pick up and drop off the rental car at our facility for your convenience.

Q. What is the best procedure for me to get excellent quality repairs and promptly get my car back on the road? A. Ask your mechanic, your neighbor, friend and a nearby relative to recommend an excellent repair shop.

Q. I do not believe I was at fault in the auto accident. Should I use my own collision policy or try to collect from the other party?
A. A lot of insurance companies will deny a claim even when their insured is at fault. If you have one of the higher rated insurance companies they will take care of the claim and then subrogate back to the other insurance company to get your deductible and other money back.

Q. I am sure that the other driver was at fault, but no one has made any effort to see the repairs of my automobile. What can I do?
A. Unfortunately, there are insurance companies out there that even though their party is at fault and received the ticket, they will deny the claim if you have a deductible similar to the cost of the repairs or if you only have liability insurance. The insurance company knows you would have to hire an attorney to collect from them and they hope you will not proceed and go away. If you have full coverage you can call your own insurance carrier and have them take care of your repairs.

Q. Do I have to take my vehicle to a drive-in claims service?
A. If your car is drivable, safe and legal you can drive to the insurance claims center for their estimate. Sometimes the insurance company has made arrangements with other body shops to write estimates for them. Please keep in mind this is only an estimate. You can take your car, truck or SUV to the repair shop of your choice!

Q. If I take my vehicle to a drive-in claims service do I have to take my vehicle to their preferred shop?
A. No. You need to take your vehicle to a repair facility that you feel comfortable with that will prepare your vehicle properly.

Q. I am having a problem with the insurance company. Can the state commissioner’s office help me?
A. Yes. You must have kept a record of complete names and thorough notes so they can help you. Record all deceiving word tract you feel the insurance company has used and anything else you feel is proof of your complaint.

Q. Can the insurance company and the service shop make an adjustment and start repair on the automobile without the consent of the owner?
A. No. They cannot make any adjustments without the owner’s consent. Although there are a couple of insurance companies that are trying to take your freedom of choice away and have you take it to a repair shop that is working for their best interest. There are some insurance companies trying to sell insurance policies that are taking your choices away! These policies are stating, for example, if you are on the interstate and are in an accident your insurance carrier would have your vehicle towed to a shop that is working for them, NOT you. You may get your vehicle back faster, BUT you could lose a lot of value in your investment.

Q. Who is responsible for paying the repair shop for my repair bill, the insurance company or me?
A. The vehicle owner is ultimately responsible for the bill. You should have a check for the original estimate and any supplemental estimates before you pick up your vehicle. The vehicle owner and the repair shop need to communicate with the insurance company to ensure payment is received so the repair shop can release the vehicle to you