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  • An insurance company cannot require you to use a particular repair shop. In fact, insurance companies are
        required to notify you of your freedom-of-choice rights regarding auto repair shops and parts.

  • You are only required to get one estimate from the shop of your choice regardless of whether that shop     participates in your insurance companies “Preferred Shop” program.

  • You have the right to require your insurance company to pay all reasonable costs (less the pre-agreed upon     amount of your deductible stated in your policy) to restore your vehicle to pre-loss condition.

  • You have the right to alternative transportation until repairs are completed if the accident was not your fault.

    An insurance company, if asked, can recommend or suggest a collision repair shop or shops. However, New Jersey law clearly states they cannot force you or steer you to a particular shop. They do have subtle ways to influence your decision. Here are four of the most common ways.

    1. They say you must first get an estimate from a shop on their “preferred” list.
    2. They will only guarantee the repairs done by a shop on that list.
    3. If you go to any shop other than where they recommend, you may have to pay the difference of any charges
        above their estimate.
    4. If you choose not to use the insurance companies “Preferred Shop”, your vehicle will take longer to be


    The choices you make regarding the repair of your vehicle should not be taken lightly. That’s why it is so very important for you to choose whom you believe and trust to do the work. The result can affect your car’s warranty, resale value and most important, the safety of you and your family. So please, make your decisions carefully. We suggest you look at Tony’s Auto Body before making a decision. We’ve been complimented numerous times by many of our customers on our facilities cleanliness, efficiency and customer service. See too why we’ve been held in such high regard.


    • Your car is the second largest investment you’re likely to make. Preserve its value and your safety by having it repaired professionally.
    • Never drive a car that could be unsafe because of damage.
    • Some insurance companies may want you to visit their drive-in claims center before having your car repaired. You can do this, or you may leave your car at our shop and ask that the insurance company inspect the car here.
    • You are not required by law to obtain more than one estimate or appraisal.
    • You have the right to go to the repair shop or your choice. Your insurance company cannot require you to go to a particular shop.
    • Differences in repair estimates are common. A lower estimate may not include all necessary work. If you’re not sure why one estimate is different from another you’ve received, please ask us.
    • Choose a shop that has uni-body repair equipment and certified (by I-CAR or ASE, for example) technicians.
    • Ask if the shop offers a repair warranty.
    • Let us help you negotiate your claim with the insurance company.