Car Accident and Insurance Falsehoods

In any major metropolis, traffic is often horrendous,parts is very likely to result in a "repaired" auto that
and this is certainly true during peak hours of theis more likely to not work properly, can even be
day. A car accident in any major city might takehazardous to drive, and in a worst case circumstance
place during peak hours, or for that matter, any timecould be the indirect (or direct) cause of an accident,
of day. Now everyone is well aware that a carpossibly a fatal one
accident will at the minimum result in damage toBut why might your insurance agent choose to steer
property, and at worst, can lead to loss of life.you to a repair shop that uses aftermarket
Fortunately, in quite a few accidents the damage iscomponents? In a word, PROFITS - since it means
chiefly to the cars involved, and personal injury isthe repairs will cost less, and that the insurance
minimal.carrier pays out smaller claims. Hence your insurance
In the event you find yourself involved in ancompany will be saving money to be able to increase
automobile accident, you may count yourself lucky iftheir income, at the expense of compromising the
no (or minimum) personal injury is involved, butvalue of your vehicle, and perchance your safety and
nevertheless, you will want to get hold of yourthat of your family members!
insurance agent to turn in a claim for damage to yourAs a result the chance exists that, because lesser
automobile. But it might come as a shock to you toauto components were utilized, the auto "fixed" by
find out that the advice you get from your agentan auto repair shop could possibly be involved in
may well be unreliable, and we will examine theanother car accident as a direct result of inferior
reason why.repairs done for the purpose of bolstering insurance
We will start our explanation by discussing somethingcompany profits! Whenever you happen to be
called a "Direct Repair Program." Insurance companiesinvolved in a car accident, turn in a claim, but your
have a "network" of repair shops with whom theyagent desires you to visit a body shop of HIS choice
have written agreements. In our scenario, the bodyas opposed to one of yours, listen for the following:
shop is under agreement to restore the insurance"It's going to cost you more to go there " - "Should
company's customers' cars. The insurance company isyou go to that shop we will not guarantee the
in return, required to recommend that body shop torepairs" - "When you go there we can not give you a
their customers in need of vehicle repairs.rental car" - "They won't go along with our appraiser"
The body shop is required, under the agreement, to- "We cannot work with that shop " - "We keep a
write all quotes working with "aftermarket" autolisting of preferred shops and that shop isn't on it" -
parts - that is, components manufactured by a"You'll have to wait longer for our adjustor to
company other than the original producer or theirevaluate the damage" - "If you go to our shop we'll
vendor. But that's not all - the shop is normallypay them directly and it will be faster"
required to bear culpability for auto repairs, andAll of these assertions are deceitful. Do NOT fall for
should a lawsuit result, they must indemnify thethem! If you do, the end result may be a solution
insurance provider.that triggers another possibly more serious, or even
Now here is precisely why this kind of arrangement isdeadly automobile accident down the road. You have
bothersome: the automobile parts the body shop isthe right, if not the duty, to take your vehicle to a
required to make use of under this contract, whilerepair shop that places safety above insurance
less pricey, are also of lesser quality versus partscompany profits!
that originally came with the auto. Using aftermarket