The programs Direct Repair Programs (DRP) insurers have in place with “preferred” shops are not for the benefit of you, the consumer. They are strictly a way for the insurer to maintain control of the repairs, price fix, and keep their costs to a minimum and maximize their profits. Through these agreements, many claims are paid out at far less than what you, the insured, are contractually owed.
If you decide to take your vehicle to the insurance company “Preferred” DRP shop, ask them these important questions before proceeding with the repair.
- Are you repairing the vehicle for me, or the insurance company?
- Are you going to use aftermarket parts on my vehicle?
- Are you going to repair parts that should be replaced?
- Are you going to cut corners on this repair to save the insurance company money, in return for them sending you more work?
DRP shops are “graded” on how fast and cost effective the repairs are done; quality too often takes a back seat. These agreements also state the shop must pay for your “extra days” of rental if they do not have the vehicle repaired in the time the insurer thinks it should take. The insurer is not a car repair professional!
Ask yourself if you want your vehicle repairs potentially compromised because the shop has to rush the job or suffer a “failing grade” and pay for a portion of your car rental. Is this motivation you want your repairer to use when your car is in the shop? Safe and proper repairs should be the primary motivation of all shops.
You will find that insurers are not warranting anything. While they may claim to warranty non-factory, salvaged (junkyard), and remanufactured parts, ask the insurer how they can warranty your safety in the meantime while you drive down the freeway at 70mph with junkyard suspension parts under your vehicle! A warranty is no good if you are injured, or worse.