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It's Your
Right To Know!
Section 167C of the New York State Law
states YOU HAVE THE RIGHT to have your car
repaired in the registered shop of your
choice. Your insurance company cannot direct
you otherwise.
You may legally designate
your repair shop to negotiate a fair claim
settlement with your insurance company.
The insurance company has
six business days after proper notification
to inspect your car. If additional damage is
found after dismantling, the insurance
company has two business days to reinspect
after proper notification.
Your insurance company
must negotiate in good faith. You are
entitled to a prompt fair settlement to
repair your car to it's pre-accident
condition. This includes parts of like, kind
and quality equal to original equipment.
If the damages to your car
are over $1,000.00 you must fill out a D.M.V.
Form 104.
BY LAW you are not
required to have your car repaired in a shop
recommended by the insurance company.
YOU ARE NOT REQUIRED to
get one or more estimates.
YOU ARE NOT REQUIRED to
take your car to an insurance company's
drive-in claim service.
No Insurance Company shall
issue a check or draft in payment of claim,
implying acceptance of such as final or
binding.
Anyone who estimates
collision damage in New York State must be
licensed by the New York State Department of
Motor Vehicles.
Total loss payment is
calculated by averaging RED BOOK + N.A.D.A,
and/or a computerized data base value. Also
calculated are additions for optional and
accessory items and low mileage. Deductions
for higher mileage, deleted options and
certain motors are also calculated. Up to
$100.00 may be deducted as Dealer Prep
charges. You may request an evaluation work
sheet.
Difference in repair
estimates are common. Ask your shop to
explain the method of repair.
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