Personal Auto PolicyQuestion 406 of 531
Before a damaged covered auto goes in for repair, the duties in Part E require the insured to:
a.Obtain three written estimates from body shops
b.Pay the deductible to the repair facility
c.Let the insurer inspect and appraise the auto
d.Get written approval from the car's lienholder
Explanation
For a physical damage claim the insured must take reasonable steps after a loss to protect the auto from further damage and must permit the insurer to inspect and appraise the damaged property before it is repaired or disposed of. Collecting three competing estimates is a common shop practice rather than a policy condition, and the lienholder has no say in when repairs begin.
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