Your Rights
Know Your Insurance Rights
Understanding your rights as a vehicle owner helps ensure you get the quality repairs you deserve. Here's what you need to know when dealing with insurance claims.
You Have the Right to Choose Your Repair Shop
According to Minnesota state law, you have the right to choose any repair shop to fix your vehicle. Once you've chosen a repair facility and informed the insurance representative, it's illegal for them to try to influence you to take it somewhere else.
Minnesota Statute 72A.201, Subd. 6
Don't Fall for False Scare Tactics
Insurance companies may try to influence your shop decision through misleading statements. Here are common tactics and the truth:
“We cannot guarantee the work performed at that shop.”
The Truth: Second Chance Collision offers a lifetime warranty on all repairs.
“We cannot find that shop on our list.”
The Truth: You have the legal right to choose any licensed repair shop, regardless of their “preferred” list.
“Your repairs may be delayed up to a week by not choosing a preferred shop.”
The Truth: We work efficiently with all insurance companies and provide timely repairs regardless of your insurer's preferences.
“You may incur additional charges by choosing your own shop.”
The Truth: Insurance companies must pay for quality repairs. You won't face extra charges for choosing the shop you trust.
No Multiple Estimates Needed
You do not need to get more than one estimate. Once you choose your repair facility, simply drop off your vehicle with a claim number and the shop can handle the rest.
No Claims Center Required
You do not have to travel to an insurance claims center. Insurance companies have representatives that will come to your chosen repair facility.
Quality Parts Required
Your insurance company is required to have your vehicle repaired to pre-accident condition using original equipment parts (OEM). You do not have to agree to aftermarket parts.
Like Kind and Quality
Insurance companies must pay for parts of like, kind, and quality. This means parts that match the original manufacturer specifications and quality standards.
Important Notice
While we provide this information to help you understand your rights, please refer to your written contract and insurance policy for exact terms and conditions. Some details may differ based on your specific situation and insurance agreement. If you have any questions, concerns, or need clarification on anything related to your repair or insurance claim, please contact our shop directly using the contact information listed on our site. We're here to advocate for your rights and ensure you receive the quality repairs you deserve.
We'll Fight for Your Rights
Let us handle the insurance paperwork and negotiations. We'll make sure you get the quality repairs you're entitled to under Minnesota law.