Know Your Insurance Rights

Auto_Insurance_Rights_Baton_Rouge

  • An insurance policy is a legal contract between you, the vehicle owner, and the insurance company. This contract gives you specific rights and responsibilities.
  • Your insurance company must pay to restore your vehicle to the condition it was in just prior to a loss, or give you financial compensation in the amount of the actual cash value of the vehicle, whichever is less. This does not obligate you to have repairs made. You may choose to have some, all, or none of the necessary repair work completed.
  • By law, you have the right to choose where you want your vehicle repaired. If your insurance company tries to direct or force you to a specific repair facility, they are in violation of R.S. 222.
  • The insurance company may not control the prices charged by a licensed independent or dealership franchised repair facility. Per the "1963 Consent Decree" (a US District Court Judgment)
  • The insurance company does not have the authority to authorize repairs. Only the vehicle owner, or the owners authorized representative can authorize repairs. You, the vehicle owner, or your designated representative must authorize repairs before they commence.
  • You are not obligated to use the insurance company's "preferred shops"or "Direct Repair Programs". These arrangements by some insurance companies may result in a quicker repair, but they often require the shop to cut corners to maintain profitability and they are intended to cut the consumer from the repair process loop.
  • "Beware of "Direct Repair !!!"

Your Baton Rouge Accident Advisors

Meet The Amazing Team At Medines Collision Center

TeamMember1

Chris Medine

Owner

 

TeamMember2

Dominica Medine

Co-Owner

TeamMember3

Jesse Medine

Production Manager 

 

Post-Accident Repair Appointment

75% of accident vehicles are improperly repaired by collision centers.  Many repair facilities are guilty of using aftermarket parts to complete the repairs. If you've been in an accident and want to ensure the integrity of the car repair, schedule a post-accident repair appointment today. 

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Resources

Resource1

Know Your Rights
Guide

 

Resource2

Dimished Value
Guide

 

Resource3

Wreck Check
Guide