Does Your Insurance Company Disagree With How Your Car Is Repaired?

Does Your Insurance Company Disagree With How Your Car Is Repaired?

 

My insurance company and the vehicle manufacturer (OEM) disagree about how my car should be repaired – what do I do?

If you’re reading this article, you may find yourself in the following situation…

You’ve been in an accident. You’ve brought your car to Dorn’s Body & Paint for a Factory Certified Collision repair. The technicians at Dorn’s, certified by 19 vehicle brands, including yours, have put together a repair plan based on the manufacturer’s requirements vetted procedures. Then your insurance adjuster calls, and has a very different opinion on what the repair plan should be.

You may be asking yourself…

Why has this happened? Shouldn’t there be one method for doing a job correctly, especially when it comes to something as complicated as repairing my vehicle after an accident?

The answer is “Yes” – there is one method for repairing your vehicle correctly. That method has been specified, in detail, by the same engineers who designed your vehicle when it was first built. Your manufacturer has created extensive documentation on the equipment and procedures that must be followed to restore your vehicle to the condition it was in before the accident. Certified shops like Dorn’s are required to follow these procedures, or they can’t claim to have provided a certified repair, and could risk losing their certification.

However, your insurance company may disagree, putting you in a difficult position. You pay your insurance premiums, so you naturally expect your insurance company to hold up their end of the bargain if you have an accident. How do they justify a repair that is considered incorrect, and can’t be certified by the manufacturer? Some insurers still want to repair vehicles the way that they were 5 – 10 years ago to simply keep the repair costs down. These repair methods cannot be used with today’s vehicles due to the amount of “light-weighting” or the use of advanced materials like Aluminum, Carbon Fiber, Magnesium Ultra High Strength Steel to meet strict fuel economy and safety standards. These old antiquated methods will cause irreparable harm to your vehicle and could cause you and your family safety and financial issues in the future.

 

No one in the market performs these kinds of repairs.

At Dorn’s Body & Paint, we make sure we have all of the equipment and technical training necessary to follow the manufacturer procedures for every vehicle we repair. In many cases, we are the only collision facility in our state who has necessary tools or training. For example, this is why Tesla Tyson’s Corner, Tesla Rockville, Tesla Baltimore, Tesla Richmond, Richmond BMW, Crown Mini, Land Rover of Richmond, Brown’s Jaguar/Volkswagen, Flow Audi/Porsche, West Broad Audi, Checkered Flag Audi/Porsche/Land Rover/Jaguar, Audi Roanoke, Berglund Land Rover/Jaguar, Nissan of Richmond, Sheehy Nissan, Ferrari of Washington and Maserati of Washington refers all of their clients to us for repairs. We are the only facility in our market with the Factory Jig Fixture based “Frame Rack” which is the template on how your vehicle was manufactured. These very specialized tools are required by BMW, Tesla, Mini, Porsche, Audi, Land Rover, Jaguar and many others to repair any of their vehicles. Seems logical, doesn’t it?

Some insurance companies don’t see it this way. They argue that because no other facility in the market has the training or equipment required by these manufactures, it shouldn’t be necessary to follow those requirements? Following that logic, some insurers say they shouldn’t have to cover all of those procedures.

In other words, if it can be done cheaper at another shop and they are willing to do it, it doesn’t matter if it isn’t repaired correctly. We know it sounds odd, but some carriers really only look at the bottom-line and when things go wrong, blame the repairer. In our experience, most of our clients strongly disagree with this logic.

Don’t take a chance with your investment.

What are the consequences of not following these procedures?
What are the options?
What if paying out of pocket is impossible?
I’m comfortable following my insurance company’s alternative recommendation, and choose to have my vehicle repaired at another shop.

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