After Reading This Page, Look for Our Coupon To Use On Your Next Repair
Coupon May Only Be Use With $1,000.00 Or More In Auto Body Repairs
Coupon May Not Be Used With Other Discounts
Do You Guarantee Your Work And Parts That You Use?
Yes. Seppala's has Always and will continue to guaranteed their work and parts. We have been doing this since 1978.
Why Is Seppala's Body Shop & Restoration Not On My Insurance Companies List Of Repair Shops?
So Glad you asked..... Seppala's has never been on any insurance companies repair list, as we do not believe it is in the best interest of our customers, and because it is ILLEGAL on many levels.
Why Is It Ilegal, and on what levels? You May Ask.....
1. As a consumer and owner of your vehicle, You have the right to choose who repairs Your vehicle. As You pay for your vehicle, for Your insurance premiums, and sign the authorization for repairs as a first party payer. As the insurance company is considered a third party payer by the State of Michigan Law.
A. Seppala's Is A Business That Strives To Give Our Customers "Quality With Pride Of Workmanship" with each auto body repair. In doing so, we are able to adhere to a higher code of ethics concerning your repairs and our contract between you, our customers and our auto body shop .
B. You see, when you sign the authorization for the repairs to be done on your vehicle, we are responsible to make sure you, our customer receives the highest grade of repairs to bring your to vehicle back to "pre-accident condition".
2. So, Why Is It Illegal? It is illegal to have a signed contract with our customers when we have a signed contract with a insurance company.
What Makes illegal? Due To It Is A "Breach of Contract."
A. Under Michigan Act 190 of 2004: "This Act Of Law is designed to protect a consumers right to choose where they get their vehicle repaired. It says: An automobile insurance company and it's employees, agents and adjusters shall not unreasonably restrict an insured from using a particular person, place, shop or entity for the providing of any automobile repair or automobile glass repair or replacement service or product covered by the policy".
B. " Michigan Bureau Of Repair Facility Laws: Section 4-2: Defining the customer in insurance paid transactions:
b1. 4-2.1 Definition In any repair transaction,the "customer" is the owner of the vehicle..... brought in for service or repair. In a damaged vehicle transaction, the customer is NOT the insurance company.... unless the customer has given the insurance company a written, signed authorization to act as his or her agent in the transaction.
b2. 4-2.2 Authorization. Approval for repairs, may be given only by the owner of the vehicle....when repairs are requested."
C. Federal Law: 1963 Federal Consent Decree states in it's contents what was going on with auto insurance companies and how it was affecting the auto body industry. It also states They are NOT To have Preferred Repair Providers, Or Tell You where, or how, your vehicle is to be repaired , or have meetings about pricing of repairs, how much their discounts will be, or a cost ceilings on labor amounts, on parts, their procurement, what kind of parts used, or meetings with other insurance groups to discuss any of the above, or to black list non participating shops, or by directing customers/consumers to use the insurance companies "preferred", Direct Repair Program" (DRP) shops. All of this Is Illegal.
Click on to our exclusive 1963 Federal Decree Page to read it in it's entirety .
3. Word Tracks Used To "Steer" "Direct" "DRP /Direct Repair Program" To Insurance Companies Direct Repair Facilities Is Illegal.
Your insurance company may say, "You will have to pay the difference for what that shop charges". This "word track" is not correct, This is called "Coercion" ,and it too is Illegal, as well as, this statement is not according to most insurance policies under the terms of loss. Seppala's have dealt with this issue on a daily basis and it is untrue. (Please, read Your auto insurance policy). Some auto insurance companies may say , "We can not warranty the repairs or labor to your vehicle if you take it to Seppala's." This "word track"is not correct either. It too is a form of "Coercion" and may be considered a lie. Legally, auto insurance companies can not warranty any repairs unless they own the repair facility. All of this is Ilegal too.
A. Please Note: More often then not, There is "Hidden Damages ", inside the engine compartment, behind the bumpers, Inner fender damages. This Is Quite Normal, In any kind of collision,as this happens as it is suppose to to absorb the energy from a collision and helping in less injuries to the occupants. So, this is why a damaged vehicle's esitimate of repairs may vary, and why additional damage may be found upon opening up the damaged areas, There is often a supplement for these damages which is sent to your insurance company, with pictures of the damages and receipts of the new parts replacing the damaged ones. The insurance company pays the additional supplement amount of damages, not you the insured/customer. Minus any deductible that is due.
B. What Can I say to my agent or insurance company claim person so I may choose Seppala's Auto Body Shop?
Remember, insurance companies with DRP (Direct Repair Programs/Preferred Repair list) like to use"word tracks." The insurance company may say "Seppala's is not on our list." This is a form of "Coercion", and "Black Listing/Balling a business that does participates in their DRP. It too is Illegal. Just, let them know you are aware it is against the law, and know your rights as the vehicle owner and you still want your vehicle repaired at Seppala's Body Shop & Restoration. Let them know, "I do know they warranty their labor and parts, and are at same market labor rates as other shops in this area." (Please read your auto policy under Loss Provisions before you have to file a accident/comprehensive claim). Ifthe insurance company continue to give you a hard time.... Let them know "I do have rights in the repair process of My car/truck. "I have read my policy under it's terms of loss, and I know full well, that I do not have to take my car or truck to the list of shops you gave me. I know Seppala's is a State of Michigan Licensed and Certified Auto Body Repair Facility, and they have a excellent reputation."
Please, Don't let these "word tracks" used by some insurance companies try to "steer" you to another shop which is not your choice of Seppala's Body Shop & Restoration . "Steering" is Illegal under the 1963 Federal Decree too
4. Some of you may be asking "Who is Seppala's Body Shop & Restoration working for?
Well, this may surprise all of you . We , at Seppala's are working for you, the owner of your car/cross over vehicle or truck/suv. You are our Boss. You sign all of our checks, and You are our first priority. We care about your safety , and those who ride with you, for their safety too in all the repairs to Your vehicle. We will not compromise on this at anytime. "Quality With Pride Of Workmanship" is our motto, because everything we do shows. Just as Everyone see's your vehicle when it is banged up in a collision, deer hit, or fender bender at work or in the grocery store parking lot. We want to make sure your repairs will not be evident. As they are suppose to be, a "Seamless Repair" .
So , We know and understand how it feels all to well when we call our 1-800 insurance claim center and receive the same as you about who, what and etc. about taking it to our choice of a "Non DRP" repair shop such as Seppala's Body Shop & Restoration.
We understand and know how it needs to repaired too. That it is your vehicle, you use it to get back and forth to work, school, church, the kids activities or the store. This is why it is so important to have rental car insurance if you do not have another vehicle to get you from point a to point b. For pennies on the dollar per month or every six months, you can have the assurance that you do have a back up rental vehicle if yours is in the shop. For $25-30.00 per day rental, you can be driving a small vehicle while yours is in being repaired.
We, at Seppala's want you, our customers happy with our work. We love working on Yourcar/truck , and this is why we are in this service business. Which is why we like to work on your cars, and trucks, so we can see your smile. This is is important to us. You, the customer are the end users of our service business, you can make or break our business. So, we have to make it count each and every time. We do want your vehicle back to pre-accident shape, back to how it was before the accident, and
or better then it was before it was damaged.
Corecion: compulsion, restrain, force, constraint, restraint, force contraint of person, or in forcing a business as in contract, rules .
Steer/Steering: guide, pilot, control, governing of a person, a business, or business ransaction.
Blackballing, Black listing: To give a negative vote, to give negative conotations, blocks the admission of a person , business, or organizations. Rejection in traditional form, signifies oppostion, otracizing of a person or business or orgnization socially.
Word Tracks: Tricks of the trade, a script used to steer, to persuade a person into doing something. Form of corecion.
Please Note: This also may pertains to Your Auto Glass/under compresive insurance claims or in your Home Owner insurance polices too.