Welcome to Precision Collision

Specializing in insurance repair with over 20 years experience!

Precision Collision front window

15704 Vonachen Dr
(Rte. 29 - next to the Shell Station in Rome)
Chillicothe, IL 61523
(309) 274-9550

Your Rights

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The Illinois Department of Financial and Professional Regulation Department of Insurance has some important -- and more comprehensive -- information here at their website, but these are the most important facts you need to know when you're car's been damaged in an accident.

What Must I Do after a Loss?

Immediately report all losses directly to your insurance agent or company.
Immediately report a loss to the police if your vehicle is damaged by a hit-and-run driver, or if you suspect vandalism or theft. Without a police report, your company could deny your claim.
Show the damaged vehicle to the company before having it repaired.
Protect your vehicle from further damage. If you don't, your company could refuse to pay for any subsequent damage. For example, if you don't cover a broken windshield and rain damages the upholstery, your company could refuse to pay for the damaged upholstery.
Cooperate with the insurance company's investigation. If you don't cooperate, your company could deny your claim.
Review the section of your insurance policy that describes your duties and other possible requirements (sometimes called "Conditions" or "Duties After A Loss").

What Information Must I Give My Company?

A copy of any legal document you receive as a result of an accident.
A sworn proof of loss describing the date of loss, how it happened, for what purpose the vehicle was being used, etc. If you don't submit a required proof of loss within the time period required in your policy, your company could deny your claim.
Your company may also ask for other documents related to the claim, such as medical and automobile repair bills, a copy of the police report, bill of sale for the vehicle, etc.
Documents for an examination under oath (e.g. tax documents, medical bills, etc.). If required, you must submit to an exam under oath. If you don't, your company could deny your claim.

Must I notify my insurance company before repairs?

Yes, insurance policies require that you notify the company or your agent, make a report, and tell them where the damaged vehicle may be inspected.

Who pays the repair bills?

You must arrange for payment. Your insurance policy states the insurance company will pay you less any deductibles or depreciation.

Who is responsible for repairs?

The shop. That's why it is important that you select a repair facility that is properly trained and equipped to restore your automobile to its pre-accident condition.

If there is a problem with the repair job, who should I contact?

First, the manager of the shop. If your problem is still not resolved, contact your insurance company claims manager. You may also want to contact the office of consumer protection.

If my insurance company fails to process my claim or pay the amount agreed upon, what can I do?

First contact your insurance agent, then talk to the Branch or Regional Claims Manager of the insurance company. If that fails, then contact the Illinois Department of Financial and Professional Regulation Consumer Services Section at (312) 814-2427 or Consumer Assistance Hotline Toll Free at (866) 445-5364.