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Do I have to pay a deductible?
When you purchased your policy, you selected the deductible amount for your physical damage coverage. This is the amount you are responsible for if a claim occurs. If you file a claim, your insurer will deduct that amount from the settlement of your claim.

Can I choose my own repair shop if I am filing an insurance claim?
Yes. Provided the repair shop is licensed, your insurer is obligated to try and reach an agreement on price with the shop you choose. If your company cannot reach an agreement, they will provide you with the names of licensed shops who can do the repairs for the price the company has determined.

Can I ask my insurer to recommend a repair shop?
Yes. At your request, your company must recommend a qualified repair facility that is near the vehicle’s location. This facility must be willing to repair the vehicle at the price the company has determined and offer a guarantee of satisfaction. Your insurance company stands behind the repair shop’s guarantee.

Does the insurance company have to use new parts to repair my car?
No. Your insurance contract only obligates the insurance company to restore your vehicle to the same condition it was in before the loss. Sometimes this requires the use of OEM (original equipment manufacturer) parts and sometimes after-market parts can be used (parts made by a different manufacturer).

Do I have to accept non-OEM parts?
No, but if your insurer wants to use non-OEM parts, you may have to pay the difference if you decide to use more expensive OEM parts.

What is no-fault insurance?
Under a no-fault policy, those involved in an automobile accident are compensated by their own insurance company, regardless of who caused the accident.

What is the difference between “collision” and “comprehensive” physical damage coverage?
Collision refers to losses incurred from collision with another vehicle or object. Comprehensive refers to losses incurred from other sources, such as hail damage or vandalism. It is important to understand the difference between these two types of coverage when selecting a policy, as coverage and deductible amounts may vary.