As a vehicle owner, you possess certain rights that when exercised, help to ensure your vehicle is repaired safely and completely.
In fact, it is crucial for you and every licensed driver to be aware of your vehicle rights, so you can be prepared if your car or truck is damaged in an accident.
The Right to Choose
In most cases, you have the right to choose where your vehicle is repaired. In fact, most states prohibit insurers from requiring you to use a specific shop even if they are paying the bill.
Not all body shops are alike or equal when it comes to the quality of their equipment or work.
The shop may be a decent option if you do not have a shop in mind, however, it is still important to do the research before making an informed decision about where to go.
Family and friends who have had their vehicles repaired can be a great resource. Local dealerships may also be able to recommend a good shop.
No matter who you decide to trust with your car or truck repairs, make sure you are comfortable with your choice.
Have questions about your right to choose or vehicle repairs? Contact us!
The Right to Parts
Depending on your insurance policy limitations and state law regulations, once you have taken your vehicle to the shop of your choice, you have the right to request that your car or truck is repaired using Original Equipment or OE collision replacement parts.
Check your insurance policy then add a rider for factory OE parts.
OE parts are parts that are distributed by your vehicle’s manufacturer. Using Original Equipment provides a better fit, function and allows for a safer vehicle.
Make sure you are aware of your insurance policy limitations and rights as a vehicle owner before an accident occurs.
Knowing what you can and cannot do following an accident will not only save you time but may also save you money and hassle.
More importantly, being informed can protect you from auto body shops that may not have you and your family’s best interest in mind.
If you feel you are being denied the right to have your vehicle repaired at the facility of your choice, contact the Oklahoma Insurance Department's Consumer Assistance Divison by calling 1-800-522-0071.