The shop agrees to provide many of the administrative duties of the insurance carrier in exchange for the referral. All insurance companies, just like repair facilities are not the same. It is the consumer’s responsibility to determine if this program is what you want, or if this is how you want your vehicle repaired. The repair facility must explain the repair process to you, the vehicle owner. It should be understood and agreed upon on what is being repaired vs. what is being replaced, and what type parts are being utilized in the repair process prior to the vehicle owner authorizing the shop to proceed with the vehicle repairs. It is the consumer’s responsibility and right to choose the repair facility of their choice and authorize the repairs based on a thorough and agreed upon damage evaluation. DRP’s (Direct Repair Programs) are an optional program of the insurance carrier. The consumer is not required or obligated to use a DRP repair facility.

What Is An Insurance Policy?

A “contract” defining coverage and outlining policy limits. It further outlines what is covered and what is not. It also outlines any limits or exclusions of coverage within your contract. It may also define what type parts they are going to pay for in the event of a loss. It also defines your agreed upon deductible for collision and comprehensive provisions as sometimes these deductibles are not the same.

Notify Your Insurance Company.

http://www.mvrboard.ohio.gov/guide.stm