Insurance FAQ

The simple answer is YES absolutely!  The insurance companies have what they call "direct repair" shops.  These are repair shops that work directly with the insurance companies and most often times will have the insurance companies' best interest in mind.  If you turn to the insurance company for advice on where to take your car they will recommend their direct repair shops.   It is ultimately your choice where you take your vehicle. If you have any questions after speaking to an insurance company of what your options are please feel free to contact us at PPB Collision Specialists and we will be glad to answer any questions you may still have.

No! By law the insurance company CANNOT require you to use a specific repair shop. North Carolina General Statute 58-3-180 further explains this law.  Insurance companies can only recommend where to have your vehicle repaired.  Most insurance companies have negotiated lower fees for repair work as well as discounted and used parts to repair your vehicle, which is only in the best interest to the insurance company.  

Fortunately, most of us are not involved in enough motor vehicle accidents in our lifetime to have the experience to know exactly how to go about getting our lives put back together and get our vehicles back on the road.  Most people tend to turn toward the insurance companies for this process and advice on what to do next.  When doing this, PPB Collision Specialists, wants you to remember that the insurance industry will always offer their advice and guidance in these situations, but the advice given is usually in the best interest of the insurer.  If you have any other questions please feel free to contact us at PPB Collision Specialists and we will be happy to answer any other questions that you have.

If you have been in a wreck the cost of repairing your vehicle can be very costly.  The purpose of collision car insurance is to help offset these costs by paying for the repairs or replacing the vehicle if you have an accident regardless  of who is at fault.  However, if you are the at fault party, in most cases, only a deductible has to be paid for the insurance company to cover the cost of repairing the vehicle.  Please keep in mind that deductibles are typically much less than the cost of repairs.

Most people have collision insurance, however if your vehicle is owned by you with title in hand you have the option to carry only liability insurance.  The difference between collision and liability insurance is that liability insurance only covers the other person's vehicle in an accident that you cause.  If you only have liability insurance and you are not at fault the other person's insurance company will cover the damage done to your vehicle.

Call us! The staff here at PPB Collision Specialists will be happy to answer your questions and get your estimate scheduled.  910-333-0530