Must I obtain three estimates?
No. No one can tell you to obtain more than one estimate. You, as the car owner may do so should this be your desire.

I was told I must take my car to a certain repair shop. Must I do this?
No. Keep in mind, you are the owner of the car and only you can determine the place of repairs. No one can force you to go to a certain repair shop for any reason.

What is the best procedure for me to get quality repairs and quickly get my car back on the road?
Take your car to the shop of your choice. Leave it with the manager. Instruct him to contact your insurance company and advise them as to the damage report. You should then call your insurance representative and advise them of the vechicle´s location.

I do not believe I was at fault in the auto accident . Should I use my own collision policy or try to collect from the other party?
It is best to use the other person´s policy because you will not have to pay a deductible. Also, if you use the person´s policy, you may be entitled to a rental car while yours is being repaired, and there will be no accident charged against your policy.

If you are responsible, the contract with your insurance company will pay the damages to your car less the deductible amount. You may direct your company to pay the repair shop, but the payments must be in the hands of the repair agency when you pick your car up. Keep in mind you are the customer and the insured. You deal with the repair shop owner for the reapirs and you look to your insurance company for payment.

Who is responsible for the safety, workmanship and guarantee on my automoblie repairs-the insurance company or the repair shop?

The repair shop is responsible. You would not go to an insurance company if a doctor made an error in treating you, you would go back to the doctor. The same is true in this situation. Insurance companies do not repair automoblies nor do they prescribe medical treatment.

I am sure that the other driver was at fault, but no one has made any effort to see to the repairs of my vehicle. What can I do?
You are the owner of the automobile. Only you have the legal right to make arrangements for the repair of your car, not the insurance company. If you need help, ask the manager of the repair shop. He usually is informed on the subject.

Do I have to take my car to a drive-in claims service?
No, it is not mandatory to take your vehcile to a drive-in claims service. This is your vehicle, you can have an estimate wherever you choose. Call your insurance company and tell them where the vehicle can be examined by the claims person. This is your right as a vehicle owner. You are required to cooperate reasonably with your insurance company. Notice of vehicle location is reasonable cooperation.

If I go to a drive-in claims service, do I have to take the car to its preferred shop?
No, if you want to take your car to the preferred shop, do so under one condition: the insurance company elects to repair. The phrase "elects to repair" means that the insurance company is totally responsible for the quality of repairs to your car and the time it takes to make these repairs.

I am having trouble with the insurance company. Can´t the state insurance commissioners office help?
Yes, but the commissioner´s authority is limited! Keep in mind the insurance commissioner has no judicial authority to determine negligence or establish the value of a loss or injury.