Know Your Repair Rights

Colorado revised statute (C.R.S.10-4-618) states, “Insurer or its agent …shall not …use disincentives to discourage a beneficiary or claimant from using a repair business…”

This statute was enacted in part because one insurance company had set up its own body shop; a clear conflict of interest in the opinion of the legislature.

The law states further that an insurance company CANNOT:

• Require appraisals or repairs be made by a specified repair business.
• Use inducement by incentives or disincentives to persuade an insured or claimant to use a particular repair facility except that the insurance company’s guarantee is not considered inducement by incentive.
• Misinform an insured or claimant to induce the use of a particular repair business

The law states that an insurer SHALL:

• Orally or in writing disclose to an insured or claimant that they may freely choose any repair business
• Assume all reasonable costs sufficient to pay for the insured’s or claimant’s repairs less any applicable deductible or reduction for comparative negligence

Insurance companies may offer you repair facilities other than Addison Auto Center because Addison Auto Center is not currently involved in their Direct Repair Program.  The insurance company may tell you that if you do not use one of their repair facilities on their direct repair program, they will not guarantee the repairs. Insurance companies do not repair vehicles; therefore a guarantee from a reputable repair company, with longevity, is what you should require. 

In the State of Colorado it is your right to have your vehicle repaired where YOU choose. Addison Auto Center has been in business since 1982. That’s longer than many insurance companies! 

Having an accident is stressful enough; we hope these facts help you with your decision.

© Copyright 2010. Addison Auto Center

Addison Auto Repair & Body Shop
2005 South Holly Street • Denver, CO 80222 • 303-691-9484

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Serving Virginia Village, Holly Hills, Southmoor, Cherry Hills Village, Greenwood Village, University Park, University Hills, Belcaro, Hilltop, Cherry Creek, Washington Park, Bonnie Brae, Southmoor Park and greater SE Denver area since l982.

We work (mechanical repair and auto body work and hail damage) on all makes of cars and trucks, including: Chevy, Dodge, Ford, Honda, Jeep, Kia, Lexus, Nissan, Plymouth, Saab, Subaru, Suzuki, Toyota and Acura through Volvo.