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Message
What you need to know about Auto Insurance and "Steering"
Posted on 10/8/18 at 4:41 pm
Posted on 10/8/18 at 4:41 pm
One of my best friends was involved in a wreck over the weekend while I was out of town. I just got off the phone with him and I'm more than a little pissed off right now.
What is Steering?
Steering is a deceptive concept of salesmanship, where someone is coerced, directed, pushed or driven to use a specific service provider because the recommender derives monetary consideration, kickbacks, special privilege, economic savings, etc., as a result of such activity. Consumers are often led into undesired purchases and making decisions for products and services they later regret because they were steered towards them by design. Don’t become a victim; make an informed, knowledgeable choice that is based on your sole decision after considering all your options.
Here are some helpful questions to ask the repair shop before you leave your keys.
Have you made any oral or written agreement with the insurer about my claim? If so, Why?
Have you made any agreement to use imitation or salvage parts on my vehicle with anyone? If so, Why?
Have you made any agreement to give a discount to the insurer on my repair? Shouldn’t I receive that discount? If not, Why?
Will you provide me with a copy of the agreement with the insurance company? If not, why?
Should my vehicle be repaired using OEM parts? Why or why not?
Are you repairing my vehicle with new original OEM parts? If not, why?
Are aftermarket parts equal to OEM parts in quality, fit , finish and safety? If so, can you document that for me?
Will you provide a written opinion concerning the use of OEM parts to repair my vehicle?
Will you deal exclusively with me with regards to my repairs and claim?
Do you work for me or the insurance company or both? How can you satisfy my interests and those of an entity outside of my repair contract with your shop?
Does your shop install imitation and/or aftermarket parts?
Does your shop install junkyard/used salvage parts?
Does your shop install used air bags, used seat belts or or used suspension parts?
Will any parts you use alter or void any factory warranty on my vehicle?
If insurance companies know it's illegal, How do they get around it?
Common Scare Tactics
They’ll often use scare tactics, telling you that they can’t guarantee the repairs if you don’t take it to one of their shops, despite the fact that it’s the shop, not the insurance company that provides the warranty on repairs.
They may tell you that you may be responsible for additional costs, despite the fact that the law states that they have to cover all costs required to restore your vehicle to pre-loss condition.
We’ve even heard them tell customers, flat out, “We can’t work with that shop” despite the fact that the law clearly states that every customer has the right to take their vehicle to the shop of their choice.
Your repairs will take longer if you use XYZ body shop.
Just remember that these are scare tactics played on you to maximize their profits.
If you are ever subjected to "Steering" by an insurance company, then you can file a complaint with the Department of Insurance in your state.
In Louisiana, Contact Jim Donelon
Helpful documents:
Advisory Letter 04-02
Advisory Letter 07-01
What is Steering?
Steering is a deceptive concept of salesmanship, where someone is coerced, directed, pushed or driven to use a specific service provider because the recommender derives monetary consideration, kickbacks, special privilege, economic savings, etc., as a result of such activity. Consumers are often led into undesired purchases and making decisions for products and services they later regret because they were steered towards them by design. Don’t become a victim; make an informed, knowledgeable choice that is based on your sole decision after considering all your options.
Here are some helpful questions to ask the repair shop before you leave your keys.
Have you made any oral or written agreement with the insurer about my claim? If so, Why?
Have you made any agreement to use imitation or salvage parts on my vehicle with anyone? If so, Why?
Have you made any agreement to give a discount to the insurer on my repair? Shouldn’t I receive that discount? If not, Why?
Will you provide me with a copy of the agreement with the insurance company? If not, why?
Should my vehicle be repaired using OEM parts? Why or why not?
Are you repairing my vehicle with new original OEM parts? If not, why?
Are aftermarket parts equal to OEM parts in quality, fit , finish and safety? If so, can you document that for me?
Will you provide a written opinion concerning the use of OEM parts to repair my vehicle?
Will you deal exclusively with me with regards to my repairs and claim?
Do you work for me or the insurance company or both? How can you satisfy my interests and those of an entity outside of my repair contract with your shop?
Does your shop install imitation and/or aftermarket parts?
Does your shop install junkyard/used salvage parts?
Does your shop install used air bags, used seat belts or or used suspension parts?
Will any parts you use alter or void any factory warranty on my vehicle?
If insurance companies know it's illegal, How do they get around it?
Common Scare Tactics
They’ll often use scare tactics, telling you that they can’t guarantee the repairs if you don’t take it to one of their shops, despite the fact that it’s the shop, not the insurance company that provides the warranty on repairs.
They may tell you that you may be responsible for additional costs, despite the fact that the law states that they have to cover all costs required to restore your vehicle to pre-loss condition.
We’ve even heard them tell customers, flat out, “We can’t work with that shop” despite the fact that the law clearly states that every customer has the right to take their vehicle to the shop of their choice.
Your repairs will take longer if you use XYZ body shop.
Just remember that these are scare tactics played on you to maximize their profits.
If you are ever subjected to "Steering" by an insurance company, then you can file a complaint with the Department of Insurance in your state.
In Louisiana, Contact Jim Donelon
Helpful documents:
Advisory Letter 04-02
Advisory Letter 07-01
quote:
TL;DR
It's Your vehicle. You choose the shop. You choose the repairs.
19
Posted on 10/8/18 at 4:43 pm to DLauw
You worked up baw?
Posted on 10/8/18 at 4:43 pm to DLauw
quote:
One of my best friends was involved in a wreck over the weekend while I was out of town. I just got off the phone with him and I'm more than a little pissed off right now.
This is the only context we get??
Posted on 10/8/18 at 4:43 pm to DLauw
Who doesn't know this? Your friend must be a few fries short of a happy meal. Literally every Owens Johnny Crash commercial says the law says you get to choose.
Posted on 10/8/18 at 4:44 pm to DLauw
k
Posted on 10/8/18 at 4:44 pm to DLauw
quote:
It's Your vehicle. You choose the shop. You choose the repairs.
Uhhhhh, no shite. Didn't know we needed a wall of text to clear that up.
Posted on 10/8/18 at 4:44 pm to DLauw
I've never had a company try to steer me. I just tell them which shop to send a check to.
Posted on 10/8/18 at 4:45 pm to DLauw
Long read but your message is good.
Cliff notes: Don’t let the insurance companies tell you where you have to get your car fixed after a wreck.
Cliff notes: Don’t let the insurance companies tell you where you have to get your car fixed after a wreck.
Posted on 10/8/18 at 4:49 pm to DLauw
What exactly are you mad about?
Posted on 10/8/18 at 4:52 pm to DLauw
I work in the insurance industry and I’ve worked for the top two companies. I can tell you without a doubt we are REQUIRED to state that the customer is not required to have their vehicle repaired at our preferred facilities and that they can choose to have their vehicle repaired at a Dollar General if those services are offered there. If any insurance company tells a customer their repairs won’t be paid for due to the facility the customer chooses, they’re committing a crime.
Posted on 10/8/18 at 4:53 pm to LNCHBOX
quote:
I've never had a company try to steer me. I just tell them which shop to send a check to.
This is how it is supposed to be.
Posted on 10/8/18 at 4:56 pm to DLauw
Man, wait till you find out the body shop is using stolen parts instead of new from the factory (which is what they are charging for).
Posted on 10/8/18 at 4:59 pm to Wayne Kenoff
quote:
work in the insurance industry and I’ve worked for the top two companies. I can tell you without a doubt we are REQUIRED to state that the customer is not required to have their vehicle repaired at our preferred facilities and that they can choose to have their vehicle repaired at a Dollar General if those services are offered there. If any insurance company tells a customer their repairs won’t be paid for due to the facility the customer chooses, they’re committing a crime.
I’d love to believe that, but I’ve heard the “scare tactics” first hand. Call the claim office of your insurance company and make a claim (The one that’s now located in Georgia) and see what they say when you try to use a shop not on their “list”. Report back.
Posted on 10/8/18 at 5:02 pm to DLauw
Man when you dealing with insurance you better bring your A game. Don't ever sign anything.
And if they say "okay we are going to pay you _______. blah blah blah", you don't have to accept that, if you think it should be more.
When it is someone else's insurance company (if you get in a wreck an it's someone else's fault), they will try to arse rape you. Figure out what you feel you should get (they want to settle with you ASAP, but if you were hit then you shouldn't have to pay a nickel for repairs) and sent it to them. It's a shame but you got to fight those mother frickers.
And if they say "okay we are going to pay you _______. blah blah blah", you don't have to accept that, if you think it should be more.
When it is someone else's insurance company (if you get in a wreck an it's someone else's fault), they will try to arse rape you. Figure out what you feel you should get (they want to settle with you ASAP, but if you were hit then you shouldn't have to pay a nickel for repairs) and sent it to them. It's a shame but you got to fight those mother frickers.
Posted on 10/8/18 at 5:04 pm to LNCHBOX
quote:
What you need to know about Auto Insurance and "Steering"
I've never had a company try to steer me. I just tell them which shop to send a check to.
I have and it got ugly quick. Insurance commissioner got it straight even quicker. Geico paid out the arse for that one
Posted on 10/8/18 at 5:04 pm to DLauw
Call DuBo Gordo and get it done. One call, that be all
Posted on 10/8/18 at 5:06 pm to OweO
quote:Welcome to my world (every damn day)
t's a shame but you got to fight those mother frickers.
Posted on 10/8/18 at 5:12 pm to DLauw
Cool
Posted on 10/8/18 at 5:15 pm to DLauw
There’s a “like kind and quality” clause in many policies that’s not worth the paper it’s printed on.
Bondo is not like kind and quality to steel.
Bondo is not like kind and quality to steel.
Posted on 10/8/18 at 5:25 pm to TheHarahanian
quote:
There’s a “like kind and quality” clause in many policies that’s not worth the paper it’s printed on.
that's a topic for another thread because I could go on and on about it. You think that's a wall of text in the OP?
quote:
Bondo is not like kind and quality to steel.
Bondo, Kleenex, Xerox.... I don't know of any shops who still use a product called Bondo. Yes, back in the day, it was a heavily used and abused product but vehicles were made with better, thicker metal. No body filler (regardless of quality or brand) should ever be applied more than 3/32 thick.
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