It's Your Choice - It's YOUR Car , Isn't It?

You have the right to choose any licensed repair shop. Some insurance companies have direct repair or referral programs in which consumers are directed or encouraged to use only specific shops, or to select from a list of shops. It's still YOUR choice, and you can choose your own shop; it's YOUR car, isn't it? The direct repair or referral shops are frequently required by the insurance company to use non-original parts, parts which may not truly restore the safety, appearance and value of your car to pre-accident condition and which may jeopardize the factory warranty.

In Australia, no insurance company can require you to use a particular shop for estimates or for repairs. The insurance company is required by state regulations to promptly begin good faith negotiations with any licensed shop you select. If the damage is covered by insurance, you are entitled to have your car restored to pre-accident condition with respect to safety, function, appearance, and value, or to be compensated for the actual cash value of your car just prior to the accident. If a deductible or betterment applies, your insurance settlement will be reduced by that amount.

You should select a shop which is qualified to restore your car to its true pre-accident condition; a shop which will negotiate with your insurance company if necessary to be sure all needed repairs are included in your claim. If your vehicle is leased, read your lease agreement carefully as it may contain information you need to consider in selecting a repair shop.