Auto Body Repair FAQs
- Is vehicle repair a legal obligation?
Technically, no. However, you may need to repair a vehicle if it is under a lien with a bank or other lender.
- Can an insurance company dictate which body shop I use?
No, this practice, known as "steering," is illegal in most states. An insurance company cannot force you to use a specific body shop without violating the law.
- Does the insurance company have to pay for a non-repaired vehicle?
Yes, if you choose not to repair the vehicle, you are still entitled to compensation. This should be equal to the cost of restoring the vehicle to its pre-loss condition or its cash value, whichever is lower.
- What is “pre-loss condition”?
Pre-loss condition refers to the state of your vehicle immediately before the collision. Insurance should cover the restoration of your vehicle to this condition, ensuring it is neither improved nor diminished.
- How many estimates do I need?
You typically do not need multiple estimates, though it can be helpful. Insurance companies often use their own appraiser to evaluate the damage and diminished value of your vehicle.
- Why does the estimated amount differ between the insurer and my shop?
Differences can arise due to various factors, such as repair times, visible damage, experience levels, and whether aftermarket or new parts are used.
- What are “aftermarket” parts?
Aftermarket parts are not made by the original equipment manufacturer (OEM). They are also known as "Like Kind and Quality Parts (LKQ)," "Quality Replacement Parts (QRP)," or "Economy Parts."
- Is "like kind and quality" an accurate term?
Typically, no. These parts are often inferior to those made by the original equipment manufacturer. Independent studies have frequently found aftermarket parts to be of lower quality.
- What is the difference between “Quality Replacement Parts” and OEM parts?
A major issue with Quality Replacement Parts (QRPs) is their fit. QRPs are reverse-engineered from the original parts, which can lead to poor alignment and performance issues.
- What are the drawbacks of aftermarket parts?
Using aftermarket parts can void your vehicle's factory warranty. Additionally, many of these parts are sourced internationally, affecting domestic manufacturing.
- Can my insurance company force me to accept aftermarket parts?
No, they cannot. However, customers are sometimes misled into accepting them. You can get assistance from Wreck Check Atlanta or your state's insurance commissioner.
- How can I avoid these inferior parts?
Wreck Check Atlanta can help you based on your specific situation. It’s important to shop for the best insurance policy, thoroughly read and understand it, and be aware of any language that suggests using inferior components. Raise any concerns with your state’s elected officials.
