Insurance is something that we hope we never have to use, but when we need it, we’re glad it’s there. Working with your insurance company on an auto claim should be a smooth process — if you know your rights.
Here are some key facts you may not know:
Your insurance company may not require that an adjuster examine your vehicle. The following insurance companies don’t require an adjuster:
- Liberty Mutual
- NJ Manufacturers
- Fleet Response
Your insurance company may want you to visit the drive-in claims center, but you may not have to. You can request that your car be inspected at the auto shop.
There is no law in New Jersey requiring you to obtain more than one estimate or appraisal for an auto repair.
You have the right to choose the repair shop; the insurance company cannot require you to use a particular shop.
Your first call should be to your insurance company’s claims reporting number. Be sure to ask whether the procedures they ask you to follow are required. Then, select the repair company you feel does quality work and has the certifications and recommendations to back it up.