BMW of Northwest Arkansas

1. Who pays for the repair of my vehicle?

If the damage to your vehicle is the result of your error and you have comprehensive and /or collision coverage, then your insurance company pays for the repairs (less your deductible). You are responsible for paying the deductible amount directly to the repair facility upon completion of repairs.

If the damage to your vehicle is a result of the error or negligence of someone else, then their insurance company is responsible for paying the full amount of the repair cost.

2. Will the insurance company guarantee the repair work?

The collision repair facility guarantees its own work. An insurance company or other third-party cannot effectively guarantee the quality and thoroughness of the repairs.

3. Can I choose the shop I want to repair my vehicle?

Yes - who does the repair is entirely your decision. An insurance company may make a recommendation, but they cannot require you to take your vehicle to a facility of their choosing.

4. Do I need to get three estimates?

No - there is no law that requires you to obtain three estimates. You have the right to have your vehicle repaired at the facility of your choice.

If you are dealing with a private party or an insurance company that does not have a local claims office, it may expedite your repair process to obtain two estimates. Do not obtain an estimate from any collision repair facility that you would NOT want to repair your vehicle.

5. What if another body shop or the insurance company provides an estimate that is different from yours?

Differences in repair estimates are common. Some repair operations are based on the appraiser's judgment and may vary. A difference in the collision estimating software used by the insurance company or another shop may also result in variations.

Mercedes-Benz of Northwest Arkansas will go over any body shop or insurance estimate with you line by line. We want you to have all the information you need to make informed decisions about the repair of your vehicle.

6. What about aftermarket, reconditioned or used parts?

Original equipment manufacturer's (OEM) parts are made by the manufacturer of your car and are generally higher quality and better fitting than parts that are made by non-OEM suppliers. The decision to use aftermarket, used or reconditioned parts on your vehicle instead of OEM parts should always be yours; however, many insurance policies now give the insurance company the sole right to make this economic decision. Be sure you know the terms of your policy.