In New York you have the absolute right to select the collision repair shop of your choice to make repairs (as per NYS Regulation 64). No insurance company, independent agent, representative, appraiser, adjuster or staff member of an insurance company can legally force you to or away from any specific repair shop, require that repairs be made by a specific repair shop or individual. Nor can they require you to have your vehicle inspected at their drive-in claims center. If you request it, your insurer must inspect the damage to your vehicle at your chosen location or collision repair shop. (Regulation 64)
#1
Your Right to Know
You have the right to have your vehicle towed to any location that you choose.
#2
Your Right to Know
You do not have to go to a drive-in claims center. Your insurer must inspect the vehicle at any location you choose, within 6 working days.
#3
Your Right to Know
You must notify your insurance company before repairs begin.
#4
Your Right to Know
You do not need to get two or three appraisals.
#5
Your Right to Know
Your insurance company is responsible for payment to restore your vehicle to pre-accident condition.
#6
Your Right to Know
Your insurer must negotiate in good faith with the shop of your choice.
#7
Your Right to Know
The registered repair shop you choose should provide an estimate of damage and assist you with the processing of your claim to ensure safe and proper repairs are made to your vehicle.
#8
Your Right to Know
A repair shop has no right to speak on your behalf without first given designated representative authority by you.
#9
Your Right to Know
New York Crash Parts – In New York, the vehicle owner has the right to know that non-OEM parts will be used in the repair, and see a listing of those parts on an estimate, prior to work taking place. The vehicle owner must give his consent before an insurer can specify non-OEM parts from more than three different suppliers for any one repair. All insurer-specified non-OEM parts must equal or exceed OEM parts in terms of fit, form, finish, quality and performance, and be warranted by the manufacturer at least to the extent and duration of the OEM part. Insurers are required to specify only certified non-OEM parts, if certified parts are available. If a certified part is not available, the vehicle owner must receive a written warranty from the non-OEM manufacturer, for at least as long as he owns the vehicle, stating that the part equals or exceeds the OEM part in terms of fit, form, finish, quality and performance. In addition, the insurer must cause the vehicle to be restored to its prior condition consistent with the non-OEM warranty, at no additional cost to the owner and within a reasonable time, if the manufacturer fails to honor its warranty.
#10
Your Right to Know
Steering – In New York, the vehicle owner has the right to choose any repair shop for the repair of that vehicle, while the insurer is prohibited from recommending or suggesting a particular shop unless expressly requested by the vehicle owner, except in claims involving window glass only. If the vehicle owner does utilize a repair shop recommended by the insurer, for a sum estimated by the insurer, for a sum estimated by the insurer to be reasonable, the insurer must cause the vehicle to by restored to its prior condition, at no additional cost to the owner and within a reasonable time, if the recommended shop fails to make a safe and proper repair.
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