No. Minnesota car insurance laws state specifically that the customer gets to choose their own shop. We look at it this way: if you have an accident, either you or your insurer must make a good decision. If you're certain where you want your vehicle fixed and have conveyed that desire to the insurer, then legally, the insurer should accept your choice. If you’re not certain, the insurer wants you to be happy with the convenience and quality of your repairs, so they will help you pick from their network of selected auto body facilities. Remember, they do want you to be satisfied, but you have the legal right to choose who repairs your vehicle.
We don't want anyone driving around in an unsafe vehicle, and neither does your insurance company. Most insurance policies cover vehicle towing to avoid additional damage and to make sure no one is driving around in an unsafe car. Vehicles with front-end damage can lose critical engine and transmission fluids, damaging the engine and leaving you stranded in the middle of nowhere. We offer a 24/7 towing solution so you can get your vehicle to our shop when you need to.
No. Now is the time to consider who you would like to repair your car. An insurance agent can be very helpful at this time and worth every nickel you pay for their guidance. If not, consider friends, coworkers, neighbors, mechanics, dealers, or other people you know who could help. However, collecting everyone's estimate opinion can be very confusing and nonproductive. If you need to find a great place to fix your car, just call us even if you’re not in our neighborhood. We'll refer you to the best auto care in your area.
Previously, the condition of parts used in collision repair wasn’t regulated. Technicians would install new, name brand parts in old vehicles without a second thought. When the electronic age of estimating took hold and data could be collected, insurers found out that new Original Equipment Parts (OEM) were used too often on older cars when “like kind and quality” (LKQ) would do the job adequately for less. Your insurance policy most likely promises to restore your vehicle to its original state or better. They are not obligated to use new OEM parts on a five-year-old car, and sometimes, an aftermarket part is the best solution. Minnesota law requires customer permission to do so.
Trust between you and your auto body repairer is critical so you can know you are paying for the best collision damage solution. Five-year-old salvaged parts (LKQ) can be rust-challenged in Minnesota, and a new part from an aftermarket supplier may be the best avenue for you. It is a decision best made by knowledgeable repairers—like Cottage Grove Auto & Collision—because we know what fits and what doesn't. Our concerns run deep. We care.