Auto repair authorization is the formal approval from your insurance carrier to proceed with vehicle repairs directly related to a covered auto insurance claim. This authorization is typically required before repair work begins.
How does auto repair authorization work?
In most cases, auto repair authorization may be required after you file an insurance claim with your carrier and the damage has been assessed, but before an auto repair shop begins any work.
Common steps in the authorization process may include:
- Inspection: An insurance adjuster will typically inspect your vehicle to assess the damage.
- Damage estimate: The repair shop may provide a detailed estimate that includes the parts, labor, and services required to repair your vehicle.
- Insurance carrier approval: Your insurer typically reviews the repair shop’s estimate and then determines which repairs your policy may cover. Your insurer may negotiate with the repair shop regarding price, repair methods, or other details before authorizing final repairs.
- Repairs: Repairs can begin with proper authorization. The shop may contact your insurer if it discovers further damage. The repair shop may also be part of a direct repair program (DRP), a network of preferred providers that insurers often recommend for their quality work, pricing, and reliability.
Why is auto repair authorization important?
Auto repair authorization can be important because it may offer shared clarity between you, your insurer, and the repair shop during a vehicle repair claim. This may help you and your mechanic understand what your policy covers and, therefore, what repairs your insurer can pay for. This clarity may include specific details about the repair methods that need to be used in order for the insurer to cover them.
With all parties in agreement to the terms of an auto repair authorization, it may be less likely that the repair shop will unintentionally perform any repairs that aren’t reimbursed. The policyholder may also be able to understand what is covered, which can lead to a reduced likelihood of disputes regarding costs or coverage.
What to do as a policyholder
When damage happens to your car, it can be crucial to contact your insurance carrier before planning vehicular repairs. Calling your insurer after you experience car damage can help you figure out what your insurer needs from you before you can get a repair.
You can ask your insurer if it typically recommends preferred shops and what repairs may be fully covered. Getting your insurance repair authorization in writing may be helpful, so there isn’t a misunderstanding regarding the terms for your repair.
Explore your auto repair coverage options
Infinity Insurance Agency, Inc. (IIA) works with carriers that offer different auto insurance policy options that can suit various drivers’ needs. Talk to one of our Spanish bilingual representatives to learn about your coverage options by calling 1-855-478-3705 or get a free quote online today.