Do I have the right to select the shop that will repair my car?
Yes. In order to expedite your claim, select the repair shop; leave your automobile there; and notify your insurance agent or company.

Who pays the repair bills?
You must arrange for payment. Your insurance policy states that the insurance company will pay you less any deductibles or depreciation.

Who is responsible for repairs?
The shop. That's why it is important that you select a repair facility that is properly trained and equipped to restore your automobile to its pre-accident condition.

Do I need to get three estimates?
No. Notify your agent or insurance company. Your insurance adjuster may need to inspect the damage. If your insurance company has a drive-in claims service and your car is safe to drive, you should call them for an appointment, take your car there, make sure you get a copy of the insurance adjuster's estimate, and take it and your automobile to the shop of your choice.

In some areas your insurance agent may tell you to get two estimates, ask if he will pay your claim from his office If he says yes, getting two estimates may speed your claims payment. If he says no, talk to your insurance adjuster first. Generally claims are handled by the insurance company's claims department, not agents. Do not get an estimate from a shop that you would not let repair your vehicle.

If there is a problem with the repair job, who should you contact?
First, the manager of the shop. If your problem is still not resolved, contact your insurance company claims manager. You may also want to contact the Better Business Bureau or the Consumer Protection Division of the Attorney General's office.

If my insurance company fails to process my claim or pay the amount agreed upon, what can I do?
First contact your insurance agent, then talk to the Branch or Regional Claims Manager of the insurance company. If that fails, then contact the Washington Insurance Commissioner at 800-562-6900.

You can help!
Having your automobile damaged in an accident is an inconvenience, but you can help minimize the problem. Since the amount of your claim cannot be properly established nor your vehicle repaired while it sits in a towing yard or is being driven by you, make sure you select a repair shop and drive or have your automobile towed there as soon as possible.