FAQs

Yes. As the vehicle owner, you have the right to select any repair facility you prefer. No laws or regulations mandate that you use a specific repair shop. While some insurance companies may only pay amounts equal to estimates from their preferred shops, remember that you're the owner and shouldn't let your insurer limit your freedom of choice.

No, you're not required to visit a drive-in claims facility. As the vehicle owner, you have the right to obtain an estimate wherever you choose. You simply need to notify your insurance company of your vehicle's location so their claims adjuster can examine it. If you've already visited a drive-in facility, be sure to bring a copy of the adjuster's estimate when getting repair shop estimates and selecting a facility.

No. You're only required to obtain one estimate from the shop you choose. If additional estimates are needed, it's your insurance company's responsibility to secure them.

Yes. Your policy requires that you notify your insurance company and file a claim report. After filing your claim, you can leave your vehicle at your chosen repair facility and inform the insurance company's claim representative or adjuster where they can inspect your damaged vehicle. Repairs may begin once the claim representative or adjuster has had the opportunity to inspect it.

No. Only you, as the vehicle owner, can authorize repairs. You must receive an estimate showing what will be repaired on your vehicle before any work begins. Additionally, Illinois law requires written estimates for repairs.

You are responsible for payment. Your insurance policy states that your insurer will pay for damages to your vehicle minus your deductible amount. While you can instruct your insurance company to pay the repair shop directly, full payment arrangements must be completed before you pick up your vehicle.

The repair shop is responsible, and only in limited cases, your insurance company. Your insurer won't accept liability for the quality and safety of your vehicle's repairs.

Most insurance policies include an appraisal clause. When you and your insurance company can't reach an agreement, either party can request an appraisal of loss within 60 days after filing the claim. Each party selects a qualified appraiser to represent their interests. If the two appraisers can't agree, they'll present their findings to a neutral umpire whose decision will determine the loss amount.