Frequently Asked Questions

Yes –  you may select the repair facility of your choice unless your insurance policy specifies otherwise.

Yes – your insurance policy generally states that, if requested, you must file a sworn proof of loss, exhibit the damaged property, and submit to examination under oath.

No – one estimate from the shop of your choice is required, unless your insurance policy specifies otherwise.

Yes – you are usually responsible to the repair facility for payment of repairs unless your insurance policy specifies otherwise.  Ordinarily, if you are insured, your insurance policy states that the insurance company will pay you for the loss, less any applicable deductible or depreciation.  Any arrangements for payments by your insurance company are your responsibility.

Yes – first consult with your insurance agent or broker.  Then, if your problem still has not been resolved, consult with the State of Illinois Department of Insurance.

Yes – your insurance policy may provide that. When the insured and insurer failed to agree on the amount of loss, both parties are entitled to arbitration.

No – Unless the referral is expressly requested by you; or you have been informed in writing of the right to select the repair facility; and the insurer that elects to repair a vehicle directs, suggests or recommends that a specific repair shop be used, shall cause the damaged vehicle to be restored to its condition prior to the loss at no additional cost to you other than as stated in the policy or as otherwise allowed by law.

No – No insurer shall require the use of non-OEM replacement crash parts in the repair of an automobile unless: The parts are at least equal to the original equipment manufacturer parts in terms of quality, safety, fit and performance; and Insurers specifying the use of non-OEM replacement crash parts shall pay the cost of any modifications to the parts which may become necessary to effect the repair; and Insurers specifying the use of non-OEM replacement crash parts warrant that such parts are of like kind, quality, safety, fit and performance as OEM replacement crash parts.