If you wreck your car If you’ve been in a collision, tell your insurance company for your own protection, even if injuries are not readily apparent. Informing the company doesn’t mean you’re filing a claim.

Insurance Claims and Self-Pay

Insurance claims and self-pay are two ways of covering the cost of collision repair

Insurance Claims

    Many people who have insurance coverage are reluctant to make a claim because they’re afraid of how it may affect their insurance rates, especially if a teenage driver is involved. Some insurance companies can tell you how your rates will be affected by a claim and other companies will tell you that there are too many factors involved to predict how a claim would affect rates.

Know Your Rights

    When an insurance company is paying the claim, the vehicle owner needs to decide which body shop they would like to have perform the repairs and inform the insurance company which shop they have chosen. Please know it’s your right to choose who repairs your vehicle, New York law states that an insurance company cannot require you to have your vehicle repaired at a particular shop. This was enacted in part because one insurance company had set up its own body shop, a clear conflict of interest in the opinion of the legislature.

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