It’s The Law…

Has your car been in an accident? Know your rights and the truth about "steering." Find out more


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Steering Customers to Truth

Thank you for joining us at the parade and taking the time to visit our site!

Did you know that insurance companies want you to believe that you must have your car repaired where they say? At Cox Automotive we believe in equipping our customers and the community at large to make their own decisions. Hence, we encourage you to take some time to read the information below regarding the illegal, yet common, act of Insurer Steering.   THE WINNING NUMBER IS… 467821

(Please note…the lucky winner will receive one complimentary oil change which includes up to 5 quarts of conventional motor oil, filter, and labor. Winner should contact us to schedule a convenient time as walk-ins are not available. Winner will have 30 days to claim this prize. If at 30 days the winner has not notified us of receipt of the winning ticket a second ticket will be drawn. Once a winner has been established, the individual’s name will be posted to our site.)


YOUR Car…YOUR Choice!

Insurer Steering”  is a term that describes a direct infraction of the law. Steering, an illegal practice, occurs when an insurance company tells a consumer what body shop to use for repairs following an accident.

Steering can be blatant (“Joe’s Collision Shop is so inept they couldn’t get wet if they camped for three days in a rainforest. Go to one of our preferred shops instead”) or steering can be subtle (“We cannot get an appraiser out to see you for a couple of weeks, but you can take your vehicle to our Direct Repair Center now.”) Some folks have even heard the following:

  • That shop isn’t on our list.
  • If you have it fixed there, the repairs won’t be guaranteed.
  • You’ll have to pay the difference.
  • Claims take longer if you use them.

No matter how it is padded, insurer steering seeks to dictate where you have your automobile repaired. The truth is, you don’t have to listen.

The Motor Vehicle Physical Damage Appraiser Act states that… No appraiser or his employer shall require that repairs be made in any specified repair shop.

In addition, the Pennsylvania Department of Insuranceprovides brochures and other resources for consumers on insurance policies, procedures, and practices within the state. Including:

“Insurance Tips for Customers” (page 2) which states…
“If the vehicle you own has been damaged, the decision of where the vehicle is to be repaired is yours. No insurer, adjuster, appraiser or agent shall require that repairs be made at a specific repair facility.”


“Your Guide to Auto Insurance Premiums” (page 2) which states…
Your insurance company is required to pay the amount necessary to return the motor vehicle to its same condition just prior to the damage in question. At your request, you may obtain information from the insurance company regarding repair facilities within a reasonable distance of where the motor vehicle is located and where work will be performed in accordance with the written appraisal. You are not required to use any specific repair shop.

When you choose Cox Automotive for auto body repairs, make arrangements to have your vehicle delivered to our facility either by tow or by driving it yourself. Then contact your insurance company. Inform them of the incident and tell them where your vehicle is. Make sure they know that you have already determined that you want us to repair your vehicle. You should expect that they may try to re-direct you, however, armed with the knowledge of your rights, you can confidently let them know IT IS YOUR CHOICE!

What’s in the works…
Click Here for Information on Current Legislation