Know Your Rights: What Insurance Can’t Tell You About Auto Body Repair

If you’ve just filed a claim for hail or collision damage, you might feel like the insurance company is in control. But here’s the truth: you have more rights than you think. At Comeback Auto Assist, we work with insurers every day—and we know how to protect our customers from shortcuts, pressure tactics, and limited repair options. Here's what your insurance company might not tell you—but you need to know.

1. You Have the Right to Choose Your Repair Shop

One of the most common myths? That you must use the shop your insurer recommends.
Reality: You’re legally entitled to have your car repaired wherever you choose.

At Comeback Auto Assist, we:

• Work with all major insurance companies
• Offer top-tier repairs backed by warranty
• Ensure your repairs meet your standards—not just your insurer’s budget

2. You’re Entitled to OEM Parts (In Some Cases)

If your car is:

• Still under warranty
• Newer or leased
• Equipped with advanced safety systems

…you may have the right to request OEM parts instead of cheaper aftermarket alternatives. Even if your policy defaults to aftermarket, you can often negotiate this based on safety, fit, or resale value.

3. You Can Review and Approve the Estimate

Before any repairs begin, you have the right to:

• See the estimate
• Ask questions
• Understand what’s covered and what’s not

At Comeback Auto Assist, we explain everything line-by-line—so there are no surprises when the bill arrives.

4. You Don’t Have to Accept a “Total Loss” Immediately

If your vehicle is declared a total loss, you can:

• Request a second opinion
• Dispute the valuation
• Explore repair options

We can inspect your vehicle and provide an honest, expert assessment—sometimes it’s worth repairing, even if your insurer says otherwise.

5. You’re Allowed to Dispute Denied or Limited Claims

If your insurer tries to:

• Deny coverage for certain repairs
• Offer less than the actual cost
• Rush you into a preferred shop

…you have the right to challenge it. With our experience in claims processing, we’ll help advocate on your behalf for a fair result.

6. You Shouldn’t Be Rushed into a Decision

Some insurers apply pressure to “get things done quickly”—but fast isn’t always fair. Take time to understand your options and consult with a trusted shop like Comeback Auto Assist before agreeing to repairs or payouts.

7. You Deserve Quality Work, Not Just a Quick Fix

Insurance companies aim to minimize their costs—but you’re the one living with the results. Demand quality, safety, and long-term value.

We stand behind every repair we do—with warranties and satisfaction guarantees that go beyond what most insurance-recommended shops offer.

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