My agent says I have to use a shop on the insurance company's list of shops.
My insurance agent says they will look out for my best interests.
The shop that wrote the lowest estimate is the one my Insurance Company says I should use.
My Insurance Company says I have to use XYZ auto body to repair my car.
My Insurance Company is looking out for my best interest, I should be OK, right?
Don’t bet on it! The only interest your insurance company is looking out for is their own. The cheaper the repair is, the more money they save. They could care less if you have your vehicle fixed right, as long as you aren’t complaining about it to them, there are a lot of insurance companies getting sued right now for trying to rip off their customers and cut corners on repairs. Insurance companies are in the business of money management not fixing cars. This is their business and they are good at it. Your best interests are not factored into their bottom line, but your claim expenses are.
What is a Direct Repair Shop or DRP?
DRP stands for Direct Repair Program. Most insurance companies have a DRP program set up with many body shops all over the country. In order for a shop to get on an insurance companies preferred DRP list, they must agree to concessions that the insurance company may want. In exchange for the concessions, the insurance companies agree to send the shop customers that don’t know where they want to go for their repairs.
The bad part of getting your vehicle repaired by a DRP shop is that the concessions the shop has agreed to may include using aftermarket or used parts, cheaper materials, and skipping certain procedures. The DRP shops try to save the insurance companies money by using any short cuts the insurance companies’ demand, so the insurance companies will send them more business.
The only good part about using a DRP shop to repair your vehicle is that you just drop off your vehicle and the shop does all the dealing the with insurance company, you are kept intentionally out of the loop on how your car will be repaired and will get the repairs done the way the insurance company mandates. Would you rather skip a little bit of involvement, or have your vehicle repaired correctly with your best interest in mind? Remember the diminished value we talked about earlier?
Beware if the insurance company tries to tell you what shop to go to, this is called steering and illegal in most states. The only way to assure yourself of a quality repair is to choose the shop yourself; it’s your right, not the insurance companies. DRP’s only help the insurance companies to save money, not their customers to get better repairs. It’s your choice, not theirs!
Can you save me my deductible?
The shop will overcharge on the repair, but the person they overcharge will be you with one of the methods I mentioned earlier. Even worse is you gave them the permission to steal. Who will you complain to after you did not pay a $250 deductible but they shortchanged you $2,000 worth of parts?
The result of this deal will be felt when you sell the vehicle and everyone looking it over knows it was involved in an accident, your vehicles value is sure to fall more than the $250 you saved. Worse if the repairs start to fall apart before you sell your vehicle you may have to pay someone else to do it all over. At Reliable Collision many times we are able to save your deductible because of work efficiency and our parts volume purchasing power. Reliable will never sacrifice quality when saving your deductible.