Car Auto Insurance Coverage, Quotes and Tips

Repairing Your Car
Coverage for your car in the private auto insurance policy is not based on replacement cost. The policy is based on definite cash worth of the vehicle. The “actual cash value” (ACV) of the vehicle is based on the worth of the car at the time of loss, taking into account its current market value. Consequently, the insurer’s responsibility is to fix the car based upon its actual cash value not its replacement cost.

If your vehicle is damaged in an accident, your insurer will ask for you to submit one or more written estimates for the cost of repairs. This allows you and your insurer to compare estimates and have your car fixed at the lowest achievable cost. Competitive body shop estimates
lower insurance claim costs which helps in maintaining or reducing auto insurance rates.

Your insurer may suggest, but cannot require, you to have your car repaired at a specific auto repair shop. If you choose to have the repairs done at a facility not approved by your insurer, you are responsible for any repair costs that exceed the final claim settlement.

Auto repair shops might use aftermarket or used parts when repairing or replacing a broken part (i.e., bumper covers, bumpers, and associated bumper parts). Aftermarket parts are produced by companies other than the original equipment manufacturers (known as OEM parts). Auto insurance contracts do not usually state what parts will be used. You may demand that aftermarket parts not be used to repair your vehicle, but you are responsible for any repair costs that exceed the final claim settlement negotiated with the insurer.
Motor car repair insurance UK will be different to US policies