If you are currently living in or have ever frequented a major city you will be well aware how the auto traffic is often dreadful, especially during peak hours of the day. A car accident in Cincinnati, Las Vegas, Portland, Baltimore, or any major city can result at any time. Now everybody is very aware that a car accident might have grave consequences, which includes devastating injury and even loss of life Luckily, in a lot of accidents the damage is chiefly to the motor vehicles involved, and injury is minimal.

Now if you're involved in a motor vehicle accident you'll in due course (and most likely sooner) be making a telephone call to your insurance representative. However it might come as a surprise to you to find out that the advice you receive from your insurance agent might not be trustworthy, and we will examine the reason.

To begin with, let's define "Direct Repair Program.". Insurance providers have a "network" of repair shops with whom they have written agreements. In our example the body shop is under agreement to restore the insurance company's customers' cars. The insurance company is in return, required to suggest that shop to their customers in need of car repairs.

The auto body shop is required to base all repair estimates on the use of parts built by a company other than the original car maker (that is, aftermarket parts). And the collision shop may additionally be required to bear all liability for auto repairs and indemnify the insurance company from any lawsuit the customer might bring.

Now here's the reason this agreement is so troubling: the automobile parts the body shop is required to utilize under this contract, while less expensive, are at the same time of lesser quality versus parts that initially came with the car. The aftermarket parts are not only ineffective, but utilizing them to affect car repairs can result in a deadly vehicle.

But if using such parts can prove so serious, what's the reason a insurance provider will steer you to a body shop that uses them? In a word, PROFITS - given it means the vehicle repairs will be less expensive, and that the insurer pays out lesser claims. Hence your insurance provider is going to be saving money to be able to increase their earnings, at the expense of compromising the value of your vehicle, and possibly your safety and that of your family members!

So it's entirely possible that the auto body repair shop that "repaired" your vehicle after the car wreck may well (as a result of having used less expensive but second-rate car parts) be ultimately the cause of causing a second car accident.

Whenever you're involved in a car accident, turn in a claim, but your agent desires you to visit a body shop of HIS choice in lieu of one of yours, listen for the following:

"It's going to run you even more to go there " - "If you go to that shop, we cannot guarantee the repair work" - "Never head over to that body shop since we can not offer you a rental car if you go there " - "They won't agree with our appraiser" - "We've had a hard time with that repair shop" - "We keep a list of preferred shops and that shop isn't on it" - "If you take your car there, it will take longer for our adjustor to look at your car " - "We can pay our preferred shops directly, and save you time"

All of these statements are either misleading or are straight up falsehoods. Don't be misled by them!

Never permit your insurance company's desired resolution of a car accident to result in another (and perchance much more serious) car accident. Know your rights, and choose a repair service that places good quality work and safe repair practices above insurance company referrals!