From the Blog
Auto Body Dallas – Independent Insurance Advocate
Taking a moment to share with you this morning a significant change in our business and moral philosophy shift of our operation. When it come to collision repair and Auto Body shops in Dallas, you have many many choices. A lot of times you do not realize the rights you have or the choices you can make when it comes to your car, your accident repair and you or someone else’s insurance company: YOU HAVE THE RIGHT TO CHOOSE. Under Texas Law, the consumer can choose any shop to fix their vehicle. The insurance companies form alliances and business relationships with those facilities that benefit them and their business model for cost savings and price controls. When you choose an Auto Body Shop in Dallas, a lot of times you are directed to a website or mobile resource that gives you predetermined choices that the insurance company has contracted with to fix your car. Those choices benefit the insurance company. It may seem seamless for you, it may feel like “concierge” service, but in reality it purely a relationship of savings between the “big box shops” and the insurance companies. The DRP – Direct Repair – shops provide discounts and volume to the insurers that you the consumer do not benefit from. You have no “advocate” looking out for you, your options and your car. Insurance companies say these relationships benefit you the consumer by lowering premiums and getting you back in your car faster and your “life back in order.” That is code speak for lowering their payouts and increasing or maintaining their profits. Insurance companies are not our friends. Not bad people, but they are business. A profit and stock price business. Many years ago, they were suppose to be only mutual companies. Mutual benefit to the policy holders. But now they are Stock companies and their obligation is to the stock holders and to earn a profit. We are required to have insurance to operate a vehicle. Insurance is a good thing when we are in trouble to mitigate our financial loss. But most consumers deal with insurance when they purchase, not when they have a claim, so our understanding of our claims rights is foreign to us. You need an advocate to help you with Auto Body Repair in Dallas to share with you their knowledge, expertise and to help navigate the insurance “game.”
This past week, we decided as a family and as a business owners, to stop participating in our only DRP. We have advocated for years that this is a bad practice, but with a 30 year relationship with one of the largest insurers, we had stability and built in business. Frankly we were/are scared to leave and to not have that source of revenue. This is a tough business and when 30% comes from one source, that is a huge stream of revenue to turn your back on. But morally, ethically and philosophically we have to practice what we preach. We have to continue to be that advocate in Auto Body Repair in Dallas. Some of the business practices we were being asked to do, did not make sense. We could see no benefit to the consumer or our business. Future rights and future business practices were being jeopardized. If we continued our relationship, then we were not being true to our convictions and giving away our rights as shop owners and consumer advocates.
When you have an accident, call us. We want to fix your car, but in the end we want to educate and help you. If we do not get the opportunity to fix your car, at least you will know we gave honest, solid and unbiased advice about your car and your accident. We realize you can go anywhere. We realize you receive a lot of influence from your agent and your provider, but you have rights. You have options and you have the ultimate choice. Contact us today. My advice is always free and from now on, no DRP involvement. We are here for you and we can only stay in business with you making the choice to use Hance’s Uptown Collision – Hance Paint and Body. -Rob aka Car Nut of Dallas