Direct Repair Program:
Ray's Body Works does not condone any direct repair program and does not recommend any insurance company who does. We respect the rights of all customers to choose the collision repair facility of their choice. It is illegal to force a customer to use a certain body shop. By law, you also have the right to obtain just one estimate from the body shop of your choice. You cannot be forced to get more than one estimate. It is your decision where you wish to take your vehicle, and it is unlawful for any body shop or insurance company to try and decide that for you.
Insurance companies cannot force us to use imitation parts:
Make sure only Original Equipment Manufacturers' parts are used in the repair of your vehicle. Imitation parts are not always as good as the original, and we believe our customers should be assured of a top quality repair. After all, you pay premiums month after month just to have the assurance that your car will always be protected. Using substandard parts can put the condition of the car in jeopardy
Must I notify my insurance company before repairs?
Yes, Insurance policies require that you notify the company or your agent, make a report, and tell them where the damaged vehicle may be inspected.
Who pays the repair bills?
You must arrange for payment. Your insurance policy states the insurance company will pay you less any deductibles or depreciation.
Who is responsible for repairs?
The shop. That's why it is important that you select a repair facility that is properly trained and equipped to restore your automobile to its pre-accident condition.
If there is a problem with the repair job, who should you contact?
First, the manager of the shop. If your problem is still not resolved, contact your insurance company claims manager. You may also want to contact the office of consumer protection and the local office of the Better Business Bureau.
If my insurance company fails to process my claim or pay the amount agreed upon, what can I do?
First contact your insurance agent, then talk to the Branch or Regional Claims Manager of the insurance company, if after you make contact with the insurance provider and still need assistance contact:
PLEASE CALL MARYLAND INSURANCE ADMINISTRATION (MIA)WITH COMPLAINTS : ATT. /CONSUMER EDUCATION & ADVOCACY UNIT CALL # 410-468-2000/ # 1-800-492-6116