The NJ Accident Checklist
5 things your insurance company won't tell you
Getting into an accident is overwhelming. Dealing with the insurance claim afterward shouldn't be a trap. In New Jersey, you have specific rights as a consumer that insurance companies often conveniently forget to mention. Here are the 5 things you need to know before you authorize any repairs:
You Have the Absolute Right to Choose Your Repair Shop
Insurance companies often try to "steer" you toward their network of preferred shops. They might imply that the repair will take longer or won't be guaranteed if you go elsewhere. This tactic is called steering, and it is illegal in New Jersey. You have the right by law to take your vehicle to any registered auto body repair facility you trust. We provide our own lifetime guarantee on our workmanship, regardless of what the insurance company says. See the exact statutes on our Your NJ Rights page.
You Do NOT Need Three Estimates
A common myth is that you must waste your day driving around to get three different estimates before the insurance company will process your claim. This is false. You only need one estimate from the shop of your choice. Once you choose Auto Body Shoppe, we will write a comprehensive estimate and deal directly with your insurance adjuster to ensure all necessary repairs are covered.
"Preferred Shops" Work for the Insurance Company, Not You
When an insurance company heavily pushes a specific shop, it's usually part of a Direct Repair Program (DRP). These shops sign contracts with the insurer agreeing to discounts, utilizing cheaper aftermarket parts, and meeting strict timelines to save the insurance company money. Auto Body Shoppe works for YOU. Our allegiance is strictly to the safe and proper repair of your vehicle, not protecting an insurer's bottom line.
You Have a Voice Regarding OEM (Original) Parts
Insurance companies love to write estimates using aftermarket, reconditioned, or salvage parts to cut costs. These parts often do not fit correctly, can compromise safety systems, and may void your vehicle's factory warranties. Depending on your policy and the age of your vehicle, you have the right to request Original Equipment Manufacturer (OEM) parts. Even if you have to pay the difference, we will always advocate for the safest, factory-correct repair method for your car.
You May Be Entitled to "Diminished Value"
Even after a flawless repair, your vehicle now has an accident history on its Carfax report. This means if you try to sell or trade it in, it is worth less than it was before the crash. This loss in value is called "Diminished Value." If you were not at fault for the accident, you might be legally entitled to seek a diminished value claim against the at-fault driver's insurance company to compensate you for this loss.
Don't Let the Insurance Company Bully You.
Bring your vehicle to Auto Body Shoppe. We will handle the insurance negotiations for you and ensure your car is repaired safely and correctly.
Call us today: (973) 226-5111