Know Your Rights

Do I have the right to select the shop that will repair my car?

Yes! It is Illinois State Law that you have freedom of choice.

In order to expedite your claim, we suggest you:

  1. Select Hoernis Auto Body
  2. Have our vehicle towed to us or stop by if you are concerned that your vehicle is un-safe to drive.
  3. Contact us via phone our through our web-site to get an accurate assessment of repair.(before you contact your insurance company)
  4. Notify your insurance company or the company responsible for paying for your repairs/ (we can help expedite this!)

Do not drive a collision damaged vehicle if you think that it is unsafe.

Will I have to pay any additional costs if I Select Hoernis instead of a shop recommended by the insurance company?

No! Some Insurance companies may imply that you may have to pay additional costs if you choose Hoernis over one of their recommended shops. This is not true. Hoernis Auto Body will deliver a high quality repair to you and your insurance company at a fair price, with no additional costs to you!

As with any collision repair facility, this excludes any deductible that you may have or any depreciation that the insurance company may want to charge you. (ie: worn tire or old battery) Deductibles and any depreciation are determined by the insurance companies, not Hoernis Auto Body.

Who is responsible for repairs and warranty?

The shop. That’s why it is important that you select a repair facility that is properly trained and equipped to restore your automobile to its pre-accident condition. If an insurance company claims that they will not warranty Hoernis repairs, It is simply a tactic to persuade you to choose their preferred facility. Any high quality repair center, including Hoernis Auto Body, will warranty their own repairs.

Do I need to get three estimates?

No. Illinois law requires only one estimate.

Must I notify my insurance company before repairs?

Only the “insured” must notify their insurance company, not claimants.

Who pays the repair bills?

You must arrange for payment. Your insurance policy states the insurance company will pay you less any deductibles or depreciation.

If there is a problem with the repair shop, whom should I contact?

First, the manager of the shop. If your problem is still not resolved, contact your insurance company claims manager.

If my insurance company fails to process my claim or 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, then contact the Illinois Department of Insurance at (217) 782-4515.

What is diminished value?

Diminished value is the loss in a vehicle’s market value due to accident damage and repair.
Three things affect diminished value:

  1. Inherent diminished value: the automatic loss in vehicle market value from an accident.
  2. Repair related diminished value: loss in vehicle market value due to substandard quality repairs.
  3. Insurance related diminished value: loss in vehicle market value due to insurance claims practices.

Who is entitled to diminished value?

You are — if your vehicle has been in an accident, you have lost money. This loss is owed to you for up to two years.

Who pays diminished value?

Either your insurance company or the person responsible for the accident and their insurance company. You are owed compensation for diminished value even if your vehicle has been repaired correctly. Based on our experience, we have identified some common pitfalls many consumers face when having their vehicle repaired. For more information on this topic, we encourage you to visit