Your auto insurance company may have a say on how you repair your car after an accident. The insurance company likely wants to ensure that you repair your car at a decent price without compromising on the quality of the repair. Below are some of the things you should know about your auto repair options after a crash.

Third-party Influence

First, you should know that it is not just your insurance company that has a say on your auto repair options; other people may also have a say. For example, if you bought the car on loan and you haven't completed the payments, then the financier will want to see that you fix the car in the best way possible. If you used the car as collateral for a loan, the creditor would also want to see the car repaired adequately. Such parties may bar you from DIY repairs and insist on the repair work being carried out by qualified mechanics.

Policy Terms Rule

Many auto insurance policies also specify issues to do with car repairs. Some auto insurance companies have policies that exclude DIY repairs. Many of these policies also specify the type of repair facilities that should work on your car after damage.

Note that an auto insurance company may suggest but not insist on a mechanic to fix your car. Many states have laws that give you the freedom to choose an auto repair shop. However, you might have to top up the repair expenses if your chosen mechanic's charges are higher than those of your carrier's charges.

Future Damage Complications

There are two main reasons auto insurers want you to use specified auto mechanic shops. For one, auto insurance companies have relationships with some auto shops and get discounts from these shops for services rendered. Secondly, your carrier wants your car to be repaired in the best way possible, so they want you to deal with reputable dealers.

This second reason has far-reaching complications for those who use shoddy mechanics or opt for DIY repairs. In such a case, the insurance carrier might refuse to pay for future damages that affect the shoddily repaired part.

Adjuster Consultations

As you can see, it is not entirely up to you to determine how to repair your car after an accident. In most cases, however, you will find that your interests and the interests of your insurance carrier align — you both want good service. Therefore, you can talk to companies like Germain Insurance Agency if you have any further questions or clarifications.