No. Michigan State law says that the consumer has the right to choose which facility to have their repairs done. However, if the repair facility you chose is not competitive to the rest of the area, you may be responsible for the difference. An example of this would be; your insurance carrier pay’s $30.00 per labor hour in your area and the facility you use charges $31.00. Your estimate shows 10 labor hours. You would be responsible for the additional $10.00 – this rarely occurs.

Yes.  Centennial Auto accepts your vehicle whether we are a preferred partner or not. Fortunately, we are able to work with all insurance companies. Michigan State Law prevents an insurance company from “steering” customers to specific repair facilities. This allows you to choose a repair facility you prefer and trust.

The deductible is the first thing paid on a claim before the insurance company payment occurs and it is paid to the repair facility. However, repair facilities normally collect the deductible when you take delivery of your vehicle. Centennial Auto collects the deductible when you take delivery of your vehicle.

 You will have the choice of whether OEM (Original Equipment Manufacturer) parts or aftermarket (parts made by a company other than the original manufacturer). However, depending upon your insurance policy provisions, you could be required to pay the difference out of pocket if you insist on OEM and your policy requires use of cheaper aftermarket parts. It is wise to know your coverage before a claim happens. Contact your insurance agent if you are unsure of your policy details.