5 Lies Insurance Companies Tell You After a Car Accident

You, the vehicle owner, has the right to choose where your vehicle is repaired. No insurance company can interfere with that right. IT’S THE LAW. 

Here at Mark’s Body Shop, we will certainly work with all insurance companies, but we choose to have NO contracts with insurance companies.

In an attempt to cut costs and increase their profit margin, the insurance company may try to “steer” you to one of their “preferred shops” after a car accident. At Mark’s Body Shop, we do not allow insurance companies to manage the parts we use, or dictate how we repair your vehicle. 

If you’d like more information call Mark’s Body Shop at (410) 358-5155, or click here to contact us online!

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The contracts insurance companies make with their preferred shops put strict limitations on budgets, compromising quality and even safety.

auto accident insurance claims, car accident, car accident insurance claims, car accident repairs, car repairs vehicle repair insuranceWe have past experience as a “preferred repair facility” for insurance companies, so we know all too well the pressure put on these shops to use non-OEM, reconditioned and salvage parts (click here to read an article about the importance of OEM parts for proper repairs). When the insurance company started to make demands on us that would have required us to compromise on customer service and repair quality, we immediately left the DRP system.

Preferred shops are expected to discount parts and labor, cap paint and other necessary materials, and that would have violated the principles this shop was built on. We see, on a regular basis, examples of vehicles that have been poorly repaired at preferred shops attempting to adhere to insurance company requirements (click here to see a recent case study). And this isn’t just happening in our own market, it’s happening all over the country (click here to see more examples found during inspections performed in North Carolina). 

Do you feel you’ve been the victim of a substandard repair performed at an insurance company’s “preferred” shop? Click here to learn more about Post-Repair Inspections.

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Some “DRP” insurance referral programs reward the shops who use the most non-OEM parts and have the lowest average repair cost with the most referrals. We believe these kinds of arrangements to be a clear conflict of interest. This kind of arrangement was unacceptable to us, and irreconcilable with our standards of quality and service.

Insurance companies use very specific tactics to persuade you to use THEIR shop.

Some of the thing’s you’ll hear from claims officers after a car accident will be intentionally MISLEADING. We see it all the time, as a factory-certified auto body shop who never cuts corners, always using the best systems, OEM parts, and the latest technology (click here to learn more about our Services).

We believe that people deserve to understand their rights, and know what options they have, so we’ve put together this list of 5 misleading things you might hear from your insurance company after a car accident:

“They are not one of our preferred shops so we can’t guarantee the repairs.”

In our experience, when we have done corrective repairs to vehicles that had been repaired at DRP shops, it has been the shop and not the insurance company that has been forced to Warranty the job. Here at Mark’s Body Shop we give our customers a written lifetime warranty on our workmanship and paint.

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“If you don’t use our shop you will have to pay the difference.”

99.9% of the time the original insurance estimate is inadequate. Insurers will pay more when we show what is necessary to properly and safely repair your vehicle. If an insurer were to deny payment on fair and reasonable charges we will do everything we can to help our customers collect what is owed to them.

“If you use that shop, we can’t get someone out for several days but if you use our preferred shop we have someone there to start on it right away.”

It usually takes no longer than 3 days for most insurance companies to get someone out to inspect the damaged vehicle. This is just another attempt to get these customers into the preferred shop. If it takes longer, it is usually delays caused by the insurance company. However, isn’t it worth the wait to get a complete, quality repair that keeps your vehicle safe?

“We have had a hard time with that shop/We can’t work with that shop.”

This typically means that the shop refuses to cut corners and keep information from you, the vehicle owner. These are the shops consumers should “prefer.” If an insurance company tells you this, you should tell them that it isn’t up to them to choose the body shop that repairs your vehicle. It is your legal right to get your car repaired at the shop of your choice.

“Claims take longer to settle at that shop.”

The only reason the repairs might take longer is usually as a result of a poorly written estimate on the insurers’ part, or as a result of the insurance company’s response time. They are typically slow to respond and they do not pay us as quickly as they pay their preferred providers.

After a car accident, bring your vehicle to Mark’s Body Shop where you, the customer, are our top priority

The vehicle owner is the customer, so we must serve their interests at all times. A company can’t serve two masters. When you come to Mark’s Body Shop, you will see that YOU are our top priority. We will work for you to properly, and safely, repair your vehicle with the highest level of quality and service.

If you’d like more information call Mark’s Body Shop at (410) 358-5155, or click here to contact us online!

Click Here to Make an Appointment

Understand Your Insurance Company’s Priorities

Watch this two-part investigation into insurance tactics, broadcast on CNN. The priority of many large insurance companies is to maximize their profits at the expense of their policyholders. Not all insurance companies do business this way. But if they’re big enough to run commercials that you can’t help but see every time you turn on the television, you probably have reason for concern…

Part 1:

Part 2:

Read Below for More Examples of Steering from Auto Damage Experts

We posted this article to the Auto Damage Experts Linked In Discussion Group (CLICK HERE), and started a very lively debate amongst its members. Here are some more examples of misleading statements from insurance companies:

David Smith, Automotive Appraiser and Collision Repair Consultant, Auto Damage Experts

  • That their estimate will be sufficient to put your vehicle back to pre-loss condition.
  • That you have to take your car to their direct repair partner for repairs.
  • That aftermarket parts are just as good as the Original Equipment Manufacturers.
  • They don’t owe you for Diminished Value.

Barrett Smith, Founder and CEO, Auto Damage Experts

  • Diminished value would only exist if the body shop didn’t do a good job!
  • A properly repaired vehicle wouldn’t have diminished value.
  • There’s no difference between aftermarket parts and new factory parts.
  • We only use new parts in your repair (they don’t tell you they’re aftermarket!)
  • We warranty your repairs for life if you take it to one of our preferred shops.
  • If you choose to go to a non participating shop we can’t guarantee repairs.
  • If you go to that shop you’ll have to pay out of your pocket for any differences.
  • We’ve had nothing but problems with that shop.
  • All we will pay is what it will and cost to fix the vehicle at one of our DRP shops.
  • Go through your own insurance company
  • We will guarantee the repair