Frequently Asked Questions when dealing with handling a claim with
your insurance company
Do I have the right to select the shop of my choice to repair my vehicle?
Yes, as the vehicle owner you decide where, when and how that vehicle is repaired.
Must I notify my insurance company?
Yes. Insurance policies require that you notify the company or your agent as soon as possible after an accident.
Do I need to get more than one estimate?
No. Only one estimate of damage report is necessary from the repair facility of your choice. However, the insurance company may want to have their own adjuster inspect the damage.
If your vehicle is not safe to drive, simply have it towed to the repair shop of your choice. When you notify your insurance company about the accident, tell them that the vehicle is not drivable and where it may be inspected.
Who is responsible for paying the repair bill?
You are. The vehicle owner must arrange for payment of the repair bill. Insurance policies state that the insurer will reimburse you for the cost of repairs less any deductible or depreciation. You can instruct your insurance company to pay the repair shop directly, but make sure that the payment is in the hands of the repair shop when you pick up your car.
Who is responsible for the quality of repairs?
The repair facility. It is important for you to select a repair shop with properly trained technicians and the equipment necessary to restore your vehicle to its pre-accident
What can I do if I have a problem with the way my insurance company is processing or settling my claim?
You have the right to contact the Wisconsin Insurance Commissioner's office, the agency charged with regulating and disciplining the insurance industry. The Commissioner's Office cannot by itself resolve damage, coverage or liability disputes, but it can obtain written explanations from insurance companies regarding their positions. Having a written explanation may be useful to you if you have to resort to litigation to resolve a dispute with an insurance company.