To recommend proper hail removal and auto body procedures that will restore your vehicle to a safe pre-accident condition by providing options that best meet your needs.
To explain why specific procedures are required to correct the hail damage.
To maintain technician training and equipment that provide a high level of auto hail repair competency.
To cooperate with insurance company representatives and make a sincere effort to provide available and affordable service to the motoring public.
To offer a damage report (estimate) for the work that is to be performed.
To furnish an itemized list for parts and services which clearly identifies any new, used, repaired, re-manufactured, or aftermarket parts.
To obtain prior authorization (in writing or by other reasonable means) for all work to be done.
To exercise reasonable care of your property while it is being serviced.
To conduct all business procedures in a professional and lawful manner.
Colorado Motorist Bill of Rights
Do I have the right to take my car to the shop of my choice? YES! Only you may decide on the repair facility of your choice and you should not allow the insurance company to steer you to their DRP facility.
Should my insurance company be notified before repairs are done? YES! Your policy states that if requested you must file a sworn proof of loss, present the damaged property and submit it for examination under oath. Repairs cannot begin until the insurance company examines the damages and gives the gives the authorization to repair.
Do i need to contact more than one shop for an estimate? NO! ONLY ONE ESTIMATE IS NEEDEDfrom the shop of your choice. Securing any additional estimates would be the obligation of your insurance company and will require their efforts and not yours. Even if the insurance company desires other estimates, it is your choice where to repair your vehicle.
Am I responsible for the cost of repairs? YES! You are responsible for your repairs to the repair facility for payment of repairs. If you are insured, your insurance contract states that the insurance company will pay for the loss, less any applicable deductibles or depreciation. Any arrangement for payment by your insurance company are your responsibility to make sure the payment reaches the repair facility of your choice.
Is the repair facility responsible for the repairs performed on my car? YES! The repair facility is responsible to you for proper care and repair. If the vehicle is not repaired to your satisfaction and according to an agreed estimate, then you should contact the shop owner to arrange settlement or reconciliation. If this is you do not reach a satisfactory agreement or resolve, then contact your insurance companies claims department and speak to a manager. You also have the right to contact the Better Business Bureau’s local Consumer Affairs, the Insurance Commissioner or the state Consumer Protection Division of the Attorney General’s Office. Most of the time, any dissatisfaction can be settled quickly with the owner or manager of the repair facility but you have those choices just in case.
If I am having difficulties with my insurance company, do I have recourse? YES! First, consult with your insurance agent or broker. Then if your problem is still not fully resolved then consult with the Colorado Division of Insurance and file a complaint and you should hear back from someone at the Attorney Generals office within 24 hours and they should help you find a quick resolve to your issue(s).
If my insurance company does not agree with the amount of loss, is there anything I can do? Yes! Generally, insurance agencies will provide that when the insured and insurer fail to agree on the amount of loss, both parties are entitled to arbitration.