Who is responsible for the quality of repairs?
Without question, the shop who repairs your vehicle is responsible for the repair. You, the consumer, are responsible for the deductible as well as for the cost of the repair. Your insurance company is responsible for reimbursing you for the cost of the repair. Obviously, choosing an insurance company and repair shop is very important and should be chosen carefully.
The shop you choose is responsible for the quality of repairs. As the insured, you are responsible for paying for those repairs. The insurer is responsible for reimbursing you to the limits of your policy. This is why it is important that you choose your insurer, as well as repair facility, carefully.
AnswerThe shop you choose is responsible for the quality of repairs. As the insured, you are responsible for paying for those repairs. The insurer is responsible for reimbursing you to the limits of your policy. That is why it is important that you choose your insurer, as well as repair facility, carefully. QuestionWhat is subrogation? AnswerSubrogation is the process by which your insurance company pays for the repairs to your vehicle, and is obligated to collect from another insurer or party. Your collision coverage will require you to pay your deductible, which may be refunded once the other party pays. QuestionThe insurance company says my car is a total loss. What does that mean? AnswerThe value of the vehicle-the sum of the cost of repairs plus the value of the vehicle in damaged condition (salvage value)-is greater than the actual cash value (ACV) of the vehicle prior to the accident. QuestionHow is the actual cash value determined? AnswerThe insurance company will assign an app
• The repair facility. It is important for you to select a repair shop with properly trained technicians and the equipment necessary to restore your vehicle to its pre-accident condition. In the event that you have questions or concerns regarding your repair, contact the the repair facility first. If you don’t receive satisfaction, you may wish to contact your insurance company’s claims manager. What can I do if I have a problem with the way my insurance company is processing or settling my claim? • You have the right to contact the Wisconsin Insurance Commissioner’s office, the agency charged with regulating and disciplining the insurance industry. The Commissioner’s Office cannot by itself resolve damage, coverage or liability disputes, but it can obtain written explanations from insurance companies regarding their positions. Having a written explanation may be useful to you if you have to resort to litigation to resolve a dispute with an insurance company. How will I know if my insu
