What is a Direct Repair Program?
Direct Repair Programs (DRP’s) that insurers have in place with “preferred” shops are not for the benefit of you the consumer. They are strictly a way for the insurer to maintain control of the repairs, price fix, and keep their costs to a minimum and maximize their profits. Through these agreements, many claims are paid out at far less than what you, the insured are contractually owed. DRP shops are “graded” on how fast and cost effective the repairs are done; quality too often takes a back seat. These agreements also state the shop must pay for your “extra days” of rental if they do not have the vehicle repaired in the time the insurer thinks it should take. The insurer is not a car repair professional.
Ask yourself if you want your vehicle repairs potentially compromised because the shop has to rush the job or suffer a “failing grade” and pay for a portion of your car rental. Is this the motivation you want your repairer to use when your car is in the shop? Safe and proper repairs should be the primary motivation of all shops.
You will find that insurers are not warranting anything. While they may claim to warranty non-factory, salvaged (junkyard) and re-manufactured parts, ask the insurer how they can warranty your safety in the meantime while you drive down the freeway at 70mph with junkyard suspension parts under your vehicle! A warranty is no good if you are injured – or worse.