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SMALL BUSINESS
What You Need to Know
About Auto Body Shops
Previous-
By Mark Solheim
Whether the accident is your fault or the other guy's, make sure you go to an appropriate repair shop -- and ask for what you require.
Next: Minor Fender Bender?More From Kiplinger:
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No. 1: That minor fender bender will be a major expense. If the accident is your fault and you have the typical $500 deductible for a collision, kiss your money goodbye. A survey of repair shops in the Washington, D.C., area by Consumers' Checkbook, a consumer-information group, shows that replacing a fender on a 1998 Buick LeSabre can cost as much as $982. A new front bumper on a 2006 Mercedes-Benz E-Class can go as high as $1,350.
Next: Tight-Fisted InsurersMore From Kiplinger:
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No. 2: Approved shops are beholden to tight-fisted insurers. Auto insurers contract with providers to repair vehicles for a prenegotiated rate (think of it as managed care for sick cars). And your car could be the victim of cost-cutting. "Insurers have wired the shops to give them so many discounts that, to stay alive, the shops often do the bare minimum," says Erica Eversman, of Vehicle Information Services. For a list of independent shops that meet certain quality criteria, click here.
Next: Replacement PartsMore From Kiplinger:
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No. 3: Not all replacement parts are created equal. Original-equipment manufacturer (OEM) parts are designed to match precisely and may be safer. But insurers prefer that shops use generic or salvage replacement parts because they're cheaper. If you cause an accident, you could be bound by wording in your policy to use aftermarket parts -- or pay the difference for OEM parts. But if someone hits you, tell the shop to use OEM parts.
Next: Due DatesMore From Kiplinger:
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No. 4: The due date is most likely fiction. Mechanics routinely blame missed deadlines on delays in parts delivery. But the truth is that many of them take on more business than they can handle. Before you commit your business to a shop, check the local Better Business Bureau and government consumer affairs offices for complaints against it.
Next: Rented CarsMore From Kiplinger:
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No. 5: A rented car will cost you. Renting a car for three weeks could cost $1,000 or more. Even if you have optional rental car insurance (which costs $1 or $2 a month), your daily reimbursement may be limited to the cost of a compact car. If you need a minivan while your car is in the shop, make sure you have minivan-size coverage.
Next: European Made?More From Kiplinger:
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No. 6: Your car needs a shop that speaks its language. Many European cars use aluminum and ultra-hard steel that require special equipment to repair. Shops should be certified by the manufacturer to do the work, meaning that they have specialized training and equipment -- and charge higher rates. Insurers won't necessarily recommend these shops, but they should be willing to pay the tab.
Next: Insurer's WarrantyMore From Kiplinger:
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No. 7: The insurer's warranty isn't all it's cracked up to be. Insurers sometimes dangle warranties on the parts (for as long as you own the vehicle) to entice you to go to shops in their network. But the body shop's guarantee is the one that's important. Nearly all shops will guarantee their work, and parts makers guarantee their parts, making the insurance warranty all but worthless.
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Next: Top Car Theft CitiesMore From Kiplinger:
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Top Car Theft Cities
Western states still lead the nation in car theft, and Las Vegas tops them all. Is your town on the list of top car theft cities?
Top Car Theft Cities
Next: Sneaky Auto Repair TricksMore From Kiplinger:
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Sneaky Auto Repair Tricks
We've all been there: We take our car in for a repair and a little voice inside our head wonders "Am I getting ripped off?"
Here are five sneaky tricks to watch out for:
Sneaky Auto Repair Tricks
Next: More From AOLMore From Kiplinger:
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AOL Money & Finance:
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