Too often, people forgot that they have a choice when getting their car fixed. The money may be coming from the insurance company but as the owner of the vehicle, you should control the repair process. This means refusing to settle for a repair job you don’t like.
It may also mean refusing to accept the use of generic replacement parts instead of the original manufacturer’s parts (your policy may give your insurer the right to use generic parts, so it’s important to check the fine print to know your rights). Even if your favorite shop doesn’t do the repairs, you can still have your mechanic look at the car (although this may be at your personal expense) and provide an assessment of what should be fixed. Ultimately, it’s your car and your call about what’s done to it. Keep this in mind, not only when you’ve been in an accident, but also when you’re looking to buy a policy.
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1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Uninsured Property Damage covers your car when damage is caused by an uninsured motorist.