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Will USAA cover my car repairs if I choose Bel Air Autobody?

Posted by tom zoebelein on Fri, Jun 14, 2013 @ 07:00 AM

Auto insurance coverage

When our customers first come to us, it is common for them to ask whether their auto insurance company will cover their car repairs.  After all, what’s the point of paying for auto insurance coverage if you won’t be able to use it when you really need it.  Well, I’m here to tell you that you will be covered by USAA no matter where you bring your car for repairs. 

Since the rules of insurance can seem confusing at times, let me answer some other common questions our customers have had:

Do I have to get three different estimates?
It is common for an insurance company to request that you get three different autobody repair estimates after you’ve been in an accident.  Yet, you’re not actually required to do so.  As a rule of thumb, though, it can be very beneficial to you to do so.  There is a chance that you might find a better deal at one shop over another or you might simply prefer the customer service at one shop over another.  If you take the time to shop around, it might be worth it.

Bel Air Autobody

Do I have to choose a body shop from the list that USAA provides?
No, you do not have to select a body shop from the list that your insurance company provides.  No matter where you bring your car, you should be covered.  The reason that auto insurance companies typically provide a list to you is because they participate in something called the Direct Repair Program.  The Direct Repair Program is where insurance companies team up with participating autobody shops to cut costs and offer more competitive premiums.  The DRP shops offer certain incentives to the insurance companies, like free towing, free vehicle storage, and more.  By saving money through this partnership, your insurance company has been able to provide more affordable insurance policies.

Bel Air Autobody

Do I have to choose a DRP shop?
Nope, you certainly don’t have to choose a body shop that participates in the Direct Repair Program.  It’s essential that you choose the right shop for you, regardless of what kind of body shop it is.  There are certain benefits to choosing a DRP shop, such as discounts and uniform procedures, but non-DRP shops have the advantage of not being held to requirements put in place by a DRP contract. 

How do I know what to look for in an auto body shop?
Trust your instincts and choose a shop that feels right to you.  Everyone has different priorities, but in general people tend to appreciate quality customer service, well-trained technicians, and a clean shop.  Ask your co-workers, friends, and family members for recommendations.

At Bel Air Autobody in Harford County, it is our mission to keep you as informed as possible.  Having your car repaired can be extremely stressful, but we want to make the process as easy and stress-free as we can.  For a repair you can trust, give us a call.  We have state-of-the-art equipment, the best technicians, and we offer a lifetime warranty on all the work we do.

Click here to  schedule a free estimate


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