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LEARN YOUR RIGHTS BEFORE WE MEET BY ACCIDENT!
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I just reported my claim to the insurance company and they gave me some names of repair shops on their referral lists. Do I have to take my vehicle to one of their shops to be repaired?
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Absolutely Not! According to RI State Law Title 27 Chapter 29 Section 4, it is illegal for any individual or company to tell you that you have to take your vehicle to a specific repair shop. If you believe you are being pressured by the insurance company into doing something you don't want to, simply tell them that you are taking your vehicle to Hal's Garage & Auto Body for repairs and that they are breaking the law by telling you to go elsewhere.
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The insurance company wants me to take my car to a drive in claim service center, but I don't feel my car is safe to drive.
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If your vehicle is unsafe to drive in your opinion, make sure you mention that to the insurance company. You do not have to take your car to their drive in claim service center. They can send an appraiser to you. If your vehicle is driveable, Hal's suggests that you get the insurance company appraiser to review the damage to your vehicle at our facility. This way we can review the vehicle together with the insurance company appraiser which usually translates into a more accurate estimate for you.
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I was told to get three estimates to repair my vehicle. Is this really necessary?
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No! You don't even have to get one estimate if you don't want to. You can simply tell the insurance company where you want the vehicle to be repaired and they will send an appraiser to estimate the damage. It is best if you leave your vehicle here with us at Hal's Auto Body so that we can review the vehicle with the appraiser. This will often speed up the repair process. If you want an estimate for your own peace of mind that's fine, but it is not necessary for you to present one to the insurance company because they will write their own.
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I can't get any cooperation from the insurance company. What should I do?
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The first step is to try to get a hold of a supervisor at the insurance company. If you still are getting no where after that, you can file a complaint with the Insurance Commissioner's Office at the Department of Business Regulation. There phone number is (401)222-2246.
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