What kind of insurance does a body shop need?

General Liability Insurance For Mechanic SHops General liability is an important type of business insurance coverage that your auto body and repair shop should have. This auto shop insurance protects your company if something happens to either your customer’s or their property.

What does Garagekeepers insurance cover?

Garagekeepers Legal Liability insurance provides protection in case a vehicle is damaged by fire, theft, vandalism or collision. It protects a customer’s vehicle when you are keeping it at a covered location for parking or storing, or to perform service.

Can a car insurance company pay for a body shop?

The insurance company will take a “hands off” approach and only reimburse you for the cost of damages after you pay the deductible. You may also need to pay for the cost of the repairs up front and wait to be reimbursed by the insurance company if insist on having the repairs completed by your own mechanic.

Do you have the right to take your car to a body shop?

You have the right to have your vehicle repaired at the shop of your choice. It is illegal for an insurance company to steer, force, require or pressure you into using a particular shop. You should never take your vehicle to a body shop based solely on the recommendation of an insurance company. Not even if it is your own insurance company.

What does insurance mean by preferred body shop?

First things first: what is a “preferred” body shop? These are shops that work through an insurance company’s DRP, or Direct Repair Program. It’s a relationship with an auto repair shop that allows the insurance company to have a great deal of say in how a car is repaired, down to approving specific parts and labor.

Who is the customer of an auto body shop?

Therefore, it is the “customer” to whom the repairer has specific obligations and requirements that must be adhered to. And the customer has certain duties and obligations to the repairer, such as providing payment for the services rendered.

Can a car insurance company recommend a body shop?

Going with the car insurance company’s recommendation may increase your chances of getting your vehicle back faster You have the right to get an estimate for the repairs and a detailed description of the damage from your own mechanic You are not required to use the body shop your insurance company recommends.

What happens when you go to a body shop after a car accident?

However, if you select a shop that is recommended by your insurance company, the shop will be able to work directly with the insurance company to handle any additional costs that come up during the repairs. That way, you don’t have to pay up front for other items that may arise and then wait for your insurer to reimburse you for those charges.

Do you have to pay for body shop repairs?

You may also need to pay for the cost of the repairs up front and wait to be reimbursed by the insurance company if insist on having the repairs completed by your own mechanic. Insurance companies have developed relationships with a number of body shops.

How does insurance company work with auto repair shop?

It’s a relationship with an auto repair shop that allows the insurance company to have a great deal of say in how a car is repaired, down to approving specific parts and labor.