Arkansas Collision Repair

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My insurance company said I should use one of their approved repair facility or referral list.  Do I need to use the insurance company's repair facility?

No.  As the vehicle owner, you have the legal right to choose the repair facility of your choice.  An insurance company will work with any repair facility that you choose to repair your vehicle.

My vehicle was declared a total loss.  Is the insurance company required to give me replacement cost?

When your vehicle is declared a total loss, the insurance company will only pay you the actual cash value of the vehicle as of the date of loss, not the cost to replace it.  Value is determined by the following factors: the retail value for a vehicle of like, kind and quality prior to the accident, condition of the vehicle, mileage and the decrease in value resulting from any prior unrelated damage.

If your vehicle has substantial value because of its exceptional condition such as an antique, classic or restored auto, you should have it appraised and insured for the appraised value.

Are there any specific time limits for an insurance company to pay for a claim?

There are no specific time limits for settlements on claims.  Insurance companies are required to pay claims in a prompt and reasonable amount of time.  However, this may vary from claim to claim.  Claims that require special or extended investigation may take longer to resolve.  Inclement weather conditions often cause an increase in the number of claims filed and that can slow down process as well.

May I keep my vehicle if it is declared a total loss?

The insurance company has the option to take title of your vehicle when it issues payment on your claim.  The insurance company is also entitled to any savage value your vehicle may have.  You can, of course, negotiate with the insurance company to purchase your vehicle back for the agreed salvage value.

Can I ask my insurance company to repair my vehicle with all OEM (original equipment manufacturer) parts?

No insurance company may require you to use aftermarket parts when negotiating repairs without written consent.  If you are working with your insurance company, you may have given written consent in your policy (check your policy).  An insurance company may not require aftermarket parts if your vehicle is less than 24 months old (from date of manufacture) or still under factory warranty.

What should I do if I have a problem with my repairs?

First, contact the manager or owner of the repair facility that performed the work on your vehicle.  Most repair facilities have a lifetime warranty, for as long as you own your vehicle, on the work they performed.  If the problem is not resolved, contact your insurance company.

If I have an insurance estimate, do I need to give it to the repair facility?

You are not required to give a copy to the repair facility.  If you want the repair facility to work off an estimate they have written, it becomes a customer pay repair.  But remember, if any additional damage is found during the repair process, you are responsible for the extra money it takes to fix your vehicle.  The repair facility can not claim additional damage with your insurance because they are working with you and not the insurance company.

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