Dealing with a Repair Shop

When dealing with a repair shop on an insurance claim there are a few useful steps to follow:

  • Find out who sets the repair standards and decides whether the work has been properly completed.
  • Find out who will re-do the work if you are unsatisfied with the repair.
  • The shop will ask you to sign a work order authorizing the repairs. Make sure it specifies all the details outlined in the estimate. Any changes or additions to the job and the related costs should be written on the work order. Your signature on the work order means that you are ultimately responsible for the invoiced costs.
  • Make sure that your insurance company agrees to pay for all repairs before you have the work completed.  Find out how your insurer handles supplemental repairs just in case the repair shop finds more damage to your vehicle that was not at the original estimate. You might need to submit an official receipt from the repair shop with your insurance claim.
  • Once the repairs are done, check them over. You may decide to have an independent party look at them. If you are not satisfied with the repairs, discuss the problem with the body shop manager.  If the problem isn’t resolved, notify your insurance company.
  • There are several methods of paying the bill. You are responsible for paying the amount of the deductible, as noted in your insurance contract. The insurance company may forward to you the rest of the money to pay the body shop. Or the insurance company may pay the shop directly. A third possibility is the insurance company may send a cheque jointly paid to you and the body shop.
  • Once the shop has been paid, or when the insurance company has confirmed it will pay on your behalf, you can take your vehicle home.

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