What is a DRP?
DRP stands for Direct Repair Program. These are programs that Insurance companies have in place with body shops. The insurance companies usually send the shops more business, the more they cut corners to save money. These programs are sometimes called “Network shops” or “Select Service” and the shops enlisted in the programs are commonly referred to as “preferred”, “recommended”, “network” or “selective” shops of the insurance company. Insurance companies put in place many rules and regulations for body shops who are on their “list” and sometime force the shops to do things that they would not otherwise do.
Direct Repair Programs that insurance companies 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. Some of 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 warrantying anything. While they may claim to warranty non-factory, junkyard, counterfeit, and remanufactured parts, ask the insurer how they can warranty your safety in the meantime while you drive down the freeway at 70 mph with junkyard suspension parts under your vehicle! A warranty is no good if you are injured, or worse.
If You Use a DRP Facility
If you decide to take your vehicle to the insurance company “Preferred” DRP shop, ask them these important questions before proceeding with the repair:
- Are you repairing the vehicle for me, or the insurance company?
- Are you going to use counterfeit parts on my vehicle?
- Are you going to repair parts that should be replaced?
- Are you going to cut corners on this repair to save the insurance company money, in return for them sending you more work?
Find someone you can trust.
If you were going to sue someone, would you use “their” attorney? No.”Their” attorney would be looking out “their” best interest. When you use the shop the insurance company is steering you to, that shop is looking out for “their” best interest, not yours.
It’s your car. it’s your choice.
Don’t let insurance companies persuade you to take your vehicle to one of their “Preferred” shops. Educate yourself and find a shop that has “your” best interests in mind, not someone obligated to cut corners at your expense.
Five Reasons to avoid using a DRP:
- DRP shops are not working for you or looking out for your best interest; they are working for the Insurance Company.
- If your car is totaled, the DRP shop may help the Insurance Company cheat you on the Actual Cash Value (ACV) you are owed for settlement.
- DRP shops may not tell you about the diminished value you are owed after repairs.
- DRP shops may repair parts that should have been replaced to save the Insurance Company money.
- DRP shops may be forced by the Insurance Company to use aftermarket/ imitation/ counterfeit or junkyard parts on your car.