What You Should Know > Claims
The most common types of claims are not from total wrecks or theft. Most claims require you to take your car to a shop for repairs.
Will your insurance company allow you to have your car repaired by a qualified repair shop of your choice that charges more money than a less qualified shop?
Will your insurance company pay more for the repair shop to use original parts if available? Many large insurance companies have been sued and lost enormous lawsuits because they failed to repair damaged cars with original parts. Make sure your car is repaired using original parts, if available.
Insurance company claims practices vary widely. Having an agreed value policy, an agent with claims authority and an insurance company that understands the insurance risk is of paramount importance. If your favorite car is stolen or totaled, you will know in advance how much you will receive.