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Insurance Repairs have no warranty? &%-!
I just found out at www.claimsreporter.com that apparently most Insurance company policies require the use of certified factory parts for collision repairs. They also said that most repairs have no warranty unless issued by the repair service and not the Insurance company! Does anyone know if and who is reponsible for a bad repair job that needs to reworked?
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#2
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Insurance Repairs have no warranty? &%-!
It's really up to you to find a reputable repair facility to do the
work. Many will offer a warranty of varying degrees. Modern cars are often repaired by companies affiliated with the insurance company. Many insurance companies will give you a lifetime guarantee on the work performed if you use their recommended facility. If you choose not to, you are on your own. With antique cars, it's very difficult to even locate a shop willing to do the work. Most who do are independant restoration shops and quality and warranties vary widely. It's incumbant upon you to locate someone who will do a quality job and to hold the insurance company's feet to the fire if they balk at the cost, etc. I highly recommend having your antique/collector car accurately appraised by a professional every 3 - 5 years. It is much harder for the insurance company to deny your claim or attempt to total your vehicle for relatively minor damage if you can prove the true value. As far as your own personal insurance goes, check with insurance companies thatspecialize in insuring antique autos. Hagarty and J.C. Taylor come to mind. Hagarty will even pay YOU to make the repairs if you restored the vehicle yourself. They also pay up to the limits of the policy if that's what it takes to fix your car even if it would be considered a total loss. As an example from personal experience: My 1956 Cadillac was rear ended in my driveway by a UPS truck. UPS's insurance company sent me to their preferred repair facility. I tried to warn them on the phone that they would be unable and/or unwilling to do the work. They said to take it anyway. Of course the people at the shop stood around with their mouths agape trying to figure out why I was sent to them and what they were going to do. Long story short, they sent an adjuster to look at it who actually knew something about antique cars. He located good quality used parts and I contacted a restoration shop that I had used in the past. Together, they came up with a figure that satisfied everyone. My car was repaired - better than it was before the accident - and I even had some money left over. I hope this helps you. Forrest |
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