• Must I notify my insurance company before making repairs?
Yes, insurance policies require that you notify the company or your agent, make a report, and tell them where they may inspect the damaged vehicle.

• Who pays the repair bills?
You must arrange for payment. Most insurance policies state the insurance company will pay you a reasonable amount to repair the damage incurred less any deductibles or depreciation. However, the final responsibility for payment lies with the vehicle owner.

• Who is responsible for repairs?
The shop. That's why it is important that you select a facility that is properly trained and equipped to repair your automobile.

• If there is a problem with the repair job, who should you contact?
First, contact the shop manager. Usually the shop will make things right. If the problem is not resolved, contact your insurance company claims manager. You may also want to contact the office of consumer protection and the local office of the Better Business Bureau.

• If my insurance company fails to process my claim or to pay the amount agreed upon, what can I do?
First contact your insurance agent. Then talk to the branch or regional claims manager of the insurance company. If that fails, contact the Texas Department of Insurance at 512-463-6515 or 800-252-3439.