|Over the years we have found these questions to be the most frequently asked:
Can I take my car to the repair shop of my choice?
You have the legal right to choose a repair shop to fix your vehicle. When reporting your claim, immediately let your
insurer know which shop you'd like to repair your vehicle. Your insurer should not attempt to influence your decision
regarding where to have your vehicle repaired and is obligated to cover the reasonable costs of repairing your vehicle to
its pre-accident condition no matter where you have repairs made.
Does my insurance company have the right to inspect my vehicle?
Yes, they have a right to inspect your vehicle, but are not required to do so. If your company chooses to perform an
inspection, they can require you to travel a reasonable distance to complete their inspection. However, they cannot require
you to drive your vehicle to one of their own "drive-in" claim centers. Rather, an adjuster of the insurance company's
choosing may perform the inspection.
How long will I have to wait for an inspection?
If your vehicle cannot be safely driven, the insurance company must inspect the vehicle within five business days after you
notify them of the claim. If your vehicle can be safely driven, the company must complete the inspection within 15 days
after you notify them of your claim.
Am I responsible for obtaining more than one estimate?
No, you are not responsible for more than one estimate. For more info visit what you need to know about insurance.
Can the repair shop I select adjust its estimates and charges to absorb the deductible required by my insurance
No. The repair shop cannot change the cost of repairs to help you pay your deductible. Misrepresenting the cost of repairs
Can I have my vehicle repaired with original equipment parts … and will the insurance company pay for them?
If parts are being replaced on your damaged vehicle, your insurance company is required to pay for original equipment (OE)
parts, unless you agree to aftermarket parts (parts not made by your vehicle's manufacturer). However, your insurance
company is only responsible for restoring your vehicle to the way it was before it was damaged. If your vehicle was not new
at the time of the loss, the insurer does not have to pay for new OE parts. They must pay for parts of “like kind and
quality” (OE parts of comparable age and condition). If you request new OE parts on an older vehicle, you may have to pay
If I do not agree with my insurance company about the amount of damage, is there something I can do?
Yes. The insurance company is required to return your vehicle to the condition it was in before it was damaged. The company
can either pay all costs to satisfactorily repair your vehicle, including all obvious and hidden damage, or they may offer a
cash settlement to pay for the satisfactory repair of your vehicle.
If you disagree with the insurance company about whether they have met their requirements under
the law, contact the Department of Commerce Response Team. You may have the ability to pursue action in small claims court
if you are filing a claim against another party's company, or you can invoke the appraisal process (which is explained in
your policy) if you are filing a claim with your own company.
What is the difference between "betterment" and "depreciation?" Can my insurance company reduce my settlement
based on either?
Both terms refer to reductions in your settlement. "betterment" means that your repaired vehicle is better than it was
before it was damaged. Your insurance company can only charge you for betterment if the repairs increase your vehicle's
resale value over what it was before the accident.
"Depreciation" refers to a reduction in your settlement based on the age or use of a part that is to be replaced. Certain
parts on your vehicle have a "life expectancy" and your insurance company may take this into consideration. For example,
if a tire on your vehicle is expected to last 60,000 miles, but it was used for 30,000 miles at the time of the accident,
your insurance company may elect to pay only 50% for a new tire. The company can also deduct the difference in cost if
you insist on using a new part, rather than an available used part, appropriate for the age and condition of the vehicle.
Do I have the right to a rental car?
If you have not purchased rental car coverage and:
If you have purchased rental car coverage:
- You were responsible for the accident, you would not be entitled to reimbursement under your policy.
- The other driver is determined to be liable for the accident, you would have the right to seek reimbursement from
the other driver's insurance company.
- You can file a claim with your own company for reimbursement, or
- If you do not want to file a claim with your own insurance company and the other driver was liable for the
accident, you have the right to seek reimbursement from the other driver's insurance company.
Generally, you are entitled to a vehicle comparable to your own. However, in the case of certain high-value, high-cost
vehicles, you may have to demonstrate your need for a specific replacement vehicle.
How is the "fair market value" of my totaled vehicle determined?
When an insurance company "totals" your car, the company must pay you what the car was worth before the accident occurred.
This amount is called the "fair market value," and includes adjustments for the vehicle's features, mileage and prior damage.
There are several firms that evaluate and publish automobile market values (like the well-known Kelly Blue Book) and the
results can vary. Whether the insurance company uses one of these evaluation firms or does its own evaluation, the method
the company uses must be documented and must comply with the procedures described in the South Carolina Fair Claim Settlement
Act. You can ask to see the evaluation and ask how the fair market value was determined. If this information is not provided
at your request, or if you believe it does not comply with South Carolina law, you should make a complaint to the Department
of Commerce. You should check with dealers, newspaper ads, used vehicle publications, and other sources to gather your own
information on your vehicle's fair market value to compare with the value provided by the insurance company. You have the
right to negotiate with the company if you believe your car was worth more than what they offer.
Can I buy back my totaled vehicle?
Maybe. Once the insurance company has paid you the fair market value for your vehicle, the company owns the vehicle.
Accordingly, the company can decide whether to sell the car back to you or retain it for its own use. Technically, if the
company does sell it back to you, it can determine the price.
Should I use my own insurance?
There are varying opinions on this. Some people feel that if they file a claim with their own insurance company, even though
they believe the other party is at fault, the claim will be settled quicker than if they deal with the other party's insurer.
In reality, it may not work that way. If you file the claim with your own company, and the facts indicate the other party
was most or completely at fault, your insurer may "subrogate" the claim with the other party's insurance company to reimburse
itself for the amount it paid to you for your claim. The downside to this is that there is no requirement, either by law or
in your policy, that your insurance company must subrogate your claim. If your company decides not to subrogate the claim,
it may be able to surcharge your policy for the amount it paid out to you. There is also no required time frame for the
subrogated claims process, so it may take months for your insurance company to get reimbursed and to return your deductible
Will having an accident make my insurance rates increase, even if the accident was not my fault?
Most insurance companies will "surcharge" your policy, meaning they can increase your premium based on an accident or a
traffic violation. The surcharge is imposed as a result of the claim payment and not based on who was at fault. Sometimes
there is a dollar threshold, or sometimes the second or third "not at fault" accident can trigger a surcharge. The surcharge
is usually limited to a specific period of time, such as 36 months. (Read the surcharge disclosure sheet provided with your
policy.) A surcharge would not apply, of course, if the other party's insurance company paid the claim or reimbursed your
company for 80 percent or more of the costs for repairing your vehicle.