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Your Appraisal The Premier Appraiser will conduct an initial inspection of your vehicle and will provide a copy of the appraisal to you. You may take your car or truck to the shop of your choice with your appraisal. The initial appraisal is for visible damage only and is not an authorization to repair the vehicle. The owner of the vehicle must authorize repairs. Here are some of our Drive-In Appraisal Locations Additional Damage/Supplements If additional, related damage is found on the car that was hidden at the time of the original inspection, the body shop should contact Premier. Premier will arrange to inspect the additional damages and write a supplemental appraisal if necessary. Total Loss If your vehicle is a total loss, a claim handler will contact you to explain the settlement process to you. We may want to move your vehicle to a salvage facility, and your cooperation is necessary to help get the vehicle released and have your personal belongings removed from the vehicle before it is moved. Deductible Deductibles apply to most comprehensive losses, such as fire or vandalism. A deductible will also apply to collision losses in certain circumstances. Your claim handler will answer any questions you may have regarding deductibles. Rental You may have purchased rental reimbursement coverage with your policy. Several levels of coverage are available, and you should contact your claim handler to confirm your coverage. Your claim handler will also be able to put you in touch with a rental agent to help you with your needs, or you can call directly: Please have your claim number available. Surcharge Surcharges are mandated under Massachusetts law in certain circumstances. You will be surcharged if you are more than 50% at fault for the accident and Premier has paid more than $500 either for your collision damage or for damage to property owned by other parties. The surcharge notice will include instructions as to the process, including how to appeal the surcharge. Salvage/Aftermarket Parts As required by regulations that govern the appraisal process, your appraisal may include parts that are of like kind and quality as the original manufactured parts. The parts may be used or from aftermarket suppliers and are documented on your damage appraisal. Betterment & Depreciation Certain parts on your vehicle will wear from use and, as a result, depreciate in value. If any of these parts need to be replaced as part of your loss, your appraisal may include a deduction for betterment or depreciation of those parts. Lienholder If you have a lease or loan outstanding for your automobile, there will be a lienholder listed on your policy. In this case, it is our obligation to name the lienholder on the check that is mailed directly to you for the damage to your auto. You should contact your lienholder before you attempt to negotiate the check. Registered Shops & Referral Lists Premier has a list of registered body shops within the county in which you live and/or work to choose where to have your automobile repaired. These shops have met at least minimum requirements to be on this list. Certain shops have signed a contract with Premier to guarantee the quality of the materials and workmanship used in making the repairs. These shops are shown in bold print. Premier will be happy to explain the referral shop program to you. Our Service Standards We are confident of Premier's ability to meet or exceed our customers’ expectations. We are here to handle your claim as professionally and promptly as possible. If you have any questions regarding the repair of your automobile, please call your appraiser Appraisal Information Menu |
The Premier Insurance Company of Massachusetts
One Chestnut Place, 10 Chestnut Street, Suite 300, Worcester, MA 01608
Phone: (508) 751-4200 Fax: (508) 751-4590
www.premierins.com
The Premier Insurance Company of Massachusetts is licensed to write property and casualty insurance in Massachusetts
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