New York's
Collision Repair Industry's
#1 Resource
New York's
Collision Repair Industry's
#1 Resource
Capital District Autobody Association
The Seminar by Mike Anderson
“Who Pays For What” scheduled for
Wednesday – March 18, 2020
has been postponed until further notice.

Consumer Rights With Regards to
New York State Insurance Law
In a Collision Claim:

  1. You have the right to have your vehicle repaired in the shop of your choice. Your insurance company cannot direct you otherwise. You are not required to get one or more estimates.

  2. You are not required to take your vehicle to an insurance company's "drive in" claim service.

  3. Your insurance company must negotiate your claim, "in good faith". You are entitled to a prompt, fair settlement (in monetary value only**) paying for all damages to restore your vehicle to "pre-accident condition".

  4. To assist you and protect your investment, you may appoint your chosen repair shop your "Designated Representative", to negotiate and settle your claim with the insurance company. (Only as far as your motor vehicle is concerned.)

  5. Your insurance company has six business days, after proper notification, to inspect your vehicle and enter negotiations. If additional damages are found, the insurance company has two business days to re-inspect and re-negotiate your claim.

  6. The insurance company may not issue a check or draft in payment implying acceptance of such as final or binding.

  7. If your vehicle is a total loss (cost of repairs exceed 75% of the actual cash value of the automobile, some insurance companies have as little as a 60% threshold) payment is calculated by averaging Red Book and NADA values or the use of a computerized data base, plus NYS Sales Tax. You are entitled to an evaluation worksheet, and have the 30-day Right of Recourse to question the insurance company's settlement offer. Any damages to your vehicle over $1000.00 require D.M.V.form 104 to be filed.
The CDAA is for Upstate New York's collision repair professionals and consumers who seek information regarding the collision repair process and claims procedures. We are here to provide collision repair professionals and consumers quality and useful information pertaining to the collision repair industry in New York. We want you to know that in the event of an accident, IT IS YOUR RIGHT to select the autobody shop that repairs your vehicle!

    Angelo DiCarlo
    DiCarlo Autobody
    787 Hoosick Street
    Troy, NY 12180
    (518) 279-0586

    Tony Mancini
    Mancini Auto Body
    2331 Guilderland Ave.
    Schenectady, NY 12306
    (518) 357-0381

    Sue Caulfield
    1951 Hamburg Street
    Schenectady, NY 12304
    (518) 339-7535 - Cell