Working with your insurance company after an accident may be a new experience for you. Modern Auto Body has experienced staff who know the claims process and can answer your questions.
Frequently Asked Questions
Q: Do I need to get more than one estimate?
A: You are not required by law to get more than one estimate.
Q: Am I required to have the repairs done at the auto body shop my insurance agent suggests?
A: No. Minnesota law says that you have the right to get the repairs done at any shop that you choose.
Q: If I am having a problem with the insurance company, can the insurance commissioner's office help me?
A: Yes, to a certain degree. The commissioner's office can at least obtain explanations from insurance companies regarding their position. The commissioner's office cannot resolve damages or liability disputes. They cannot require that money be returned or that coverage be extended or reinstated.
Is there any way to “save or waive” my deductible?
The deductible is the only amount of the claim for which you are responsible. The insurance companies control costs so tightly that it is impossible to write an estimate for more than the amount of the actual damages (which is also insurance fraud!). Consequently, the only way for an unethical shop to save or waive the deductible is to not repair some of the damage, thereby committing fraud. If a shop is willing to cheat an insurance company by not completing all repairs, what is to keep them from cheating you? Your vehicle suffers diminished value by incomplete repairs or possible safety-related problems. In the end, you always get what you pay for.