Wisconsin Collision Repair Professionals wants customers to learn more about the collision repair industry, with helpful tips such as why they might have to pay co-pays for auto repairs.
The expense has come about as an unexpected to a lot of however when repair centers and insurance providers can’t agree on a cost, the policyholder might be inspired to pay the difference.
“Whenever you do a quote and the insurance pops up with dollar figures which are less than exactly what a shop feels is needed to repair the vehicle that’s once the shop would ask for a co-pay,” WCRP Vice President Steve Humblet said.
Some shops may feel their only choice is to consume the price themselves, but it’s increasingly present with address the cost with the customer. The co-pay is in accessory for the deductible, and would reflect the price of the repairs that the carrier has denied. The contract for repair is ultimately between your repair facility and the consumer.
WCRP’s video on co-pays states that car repairs are only covered towards the extent of the policy purchased and the drive for cheaper premiums has negative effects on safe and proper repairs.
Co-pays may become necessary when shops desire to use specific parts, such as new factory parts, rather than the insurer’s recommended generic or used parts or when shops want to follow OEM procedures rather than scrimp.
Co-pay receipts can be listed in insurance companies for possible reimbursement. Humblet said 50% of his customers at his shop, Quality Paint & Body, get reimbursed by submitting their co-pay receipts to their insurers.
Another video by WCRP provides some suggestions on shopping for auto insurance. Consumers should keep in your mind that discounted premiums usually have discounted coverage and policy limitations, based on WCRP.
The best plan of action is to look for policies with the aid of a completely independent local agent that may provide options from several companies. A nearby representative is also best to have on your side if once insured, disputes arise together with your company. WCRP recommends speaking with local repair centers too to find out which insurance providers might have your best interests in your mind.
Three important items to make sure your policy covers are car rental reimbursement, towing or roadside assistance and also the factory parts endorsement.