Updated: Apr 29, 2020
How Your Body Shop Can Help With Auto Insurance Selection
Shopping for auto insurance can be complicated. There are so many factors to consider to ensure you are getting everything you need through a potential company. While most people consider the basics; cost and coverage, people later find that maybe their insurance isn’t such a good fit because of the factors they didn’t initially consider.
If you find yourself in a situation where you need to file a claim, how does your insurance score in customer service? Have you considered how long a claim normally takes or how the claims process compares to other companies? Will it be easy to communicate with your adjuster or will you get the run around? Will your insurance company suggest the lowest bidder for repairs or will they ensure you are getting quality repairs? These are questions not immediately considered by people shopping for a new insurance company. To be proactive and ensure a claim goes as anticipated, customers should research potential insurance providers before an accident occurs, not after.
It is possible to sweep the web for reviews; however, this can be time consuming and may be inaccurate especially if you are considering a national company. Employees, pricing, and policies may vary from city to city, so information found online may not be accurate for your area. Another option is to call insurance companies or insurance brokers to request quotes, ask questions, and get a feel for a variety of companies, but this too should be taken with a grain of salt. Insurance companies may put forward their best effort to get you in the door, but the service may be different once you actually need their help.
To get an accurate understanding of how insurance providers handle claims and service customers, ask your repair shop. They likely communicate with insurance companies in your area on a daily basis. Your auto body shop may be the best source of information on how a variety of insurance companies handle claims and communicate during the repair process. Be prepared with a list of questions you might want to ask before you contact the shop. Some important questions include:
Which company do you find easiest to communicate with and why?
Who do you think has the best (and worst) customer service?
Who has a better claims process (and who has the worst)?
Will this company allow OEM (original equipment manufacturer) parts or will they only allow aftermarket parts?
Overall, which company do you prefer and why?
Looking for more information about insurance companies? Here are some links that provide valuable information regarding auto insurance: 2020 IRC Results Show Smaller and Regional Auto Insurers Once Again Get Top Grades From Collision Repairers Written by John Yoswick https://www.autobodynews.com/index.php/industry-news/item/19244-2020-irc-results-show-smaller-and-regional-auto-insurers-once-again-get-top-grades-from-collision-repairers.html?utm_source=MW%2FSW+Collision+Repairers+Give+Top+Grades+To+Small+and+Regional+Auto+In&utm_campaign=enews&utm_medium=email 7 things you should know about auto and car insurance by Herb Weisbaum https://www.nbcnews.com/better/lifestyle/7-things-you-should-know-about-auto-car-insurance-ncna1049086 Switch your car insurance in 9 easy steps by Anna Baluch https://www.bankrate.com/insurance/car/switching-carriers/ The Best Car Insurance Companies in 2020 By Jamie Page Deaton and Nate Parsons https://cars.usnews.com/cars-trucks/car-insurance/best-car-insurance-companies