Consumer Education and Shareable Resources


5 Ways to Keep Your Family Safe After An Accident

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Your Family’s Safety Comes First

When there’s been a vehicle accident, major or minor, your first concern is making sure that your family is safe. After that, it’s tempting to let your insurance company hammer out the other details. You just want to be able to pick up the car and have it run and look like it did before the accident.  So, we’re bringing you this quick guide to help you make sure your car is as safe after the accident as it was before the accident. It carries your most precious cargo!

Vehicle manufacturing has changed drastically in the past decade, and most significantly in the past 5 years. The advanced safety systems are designed to work when your vehicle is repaired according to your automaker’s OEM documented repair procedures. For example, if something is off by even a millimeter it may interfere with vehicle safety features like blind spot monitor warnings, adaptive cruise control, the sensors that deploy the airbags, or even your seat belts!

OEM documented repair procedures differ on every model and can change as often as monthly. Following the 5 steps in this guide will help protect the safety of your family as well as your vehicle investment.


  1. Choose Your Collision Repair Shop: The insurance company can’t require you to use a specific repair shop. Ask the shop about what current certifications they hold and verify them on the automaker or training entity website; check their online reviews. Ask the shop to show you – on their computer -the current OEM documented repair procedures for the repair on your make and model. If they won’t do that, consider a shop that will.
  2. Stay Proactively Involved in the Process: Set yourself as the primary contact in the process with the shop and ask them to contact you with any new information and status updates FIRST. Ask them to only act upon YOUR authorization, not that of the insurer.
  3. Read Your Estimate Carefully, Ask Questions: Make sure you review your initial estimate and any supplemental estimates and ask questions about anything you don’t understand. Look for terms like “OEM research”, “seatbelt inspection”, “scan”, or “calibration”; if you don’t see these terms, that is a red flag.
  4. Be Willing to Stand Firm: Insurance adjusters are not vehicle repair experts. It can be a frustrating process, but be willing to take the time and energy to fight for a SAFE repair on your vehicle according to OEM documented repair procedures.
  5. Take Action When It’s Not Right: If you have concerns about your vehicle after a repair, there are companies and shops who do post-repair inspections. If an insurer doesn’t abide by policy language or pushes unsafe repairs, file a complaint with your state Department of Insurance.


The Washington Metropolitan Auto Body Association has a mission to serve our professional members AND consumers through advocacy, education, and leveraged resources. If you are stuck and getting nowhere, or just need to get a better understanding of how to navigate the insurance claim and repair process, we’re here for you!

Phone: (804) 789-9649     Email:


5 Ways to Keep Your Family Safe After An Accident
DOWNLOAD – PDF Brochure to Print, Email and Share


Insurance Department Info & Complaint Forms:

*Repairers who wish to file a complaint on behalf of their customer will likely need to have a repair authorization that includes the authority to do so. WMABA has some of those forms available for you.  Some insurance departments also require the repairer to have legal counsel if an administrative hearing is conducted. It is recommended to consult legal counsel prior to attempting to file on the customer’s behalf.

To file a complaint with the Virginia Department of Insurance:


To file a complaint with the Maryland Insurance Administration:


To file a complaint with the West Virginia Office of Insurance Commissioner: Information – Click Here / Complaint Form – Click Here


To file a complaint with the DC Department of Insurance, Securities and Banking:


Please fill out the following information to file a complaint against an insurer or insurer representative to WMABA. We will contact you about this complaint and related information. You may choose to only share this information with our team, or you can opt to allow us to make contact with the insurer on your behalf. No resolution will attempt to be made prior to discussing. 

Insurer Complaint Form

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