06.08.09
Posted in Biggs Articles, Industry Op-Eds, collision industry news, body shop advocate, assured performance network at 11:18 am by support
Cycle Time Definitions – Past time to Refine:
Cycle time is a joke and a lie when used as a benchmark comparison between shops or as a accurate key performance indicator shop-to-shop evaluation tool. Sure, it can have value for an individual shop for internal comparison, but it is totally and completely inaccurate and misleading when used as it is today by insurers and others to compare the performance of multiple shops in multiple markets with a wide variety of repair types and work force. As it is today, it is damaging the lives and livelihood of thousands of businesses and consumers throughout America.
Can you imaging trying to synchronize watches with thousands of others to ensure timely coordination, but everyone uses a different definition of a day and has differing length hours, and even a different number of hours in a day? It is a ridiculous scenario, yet the collision repair and insurers employ measurements with nearly the same absurdity to evaluate and rank body shops. The result is thousands of lives are adversely affected and until now, no one has offered to improve the measurements or even acknowledge that they are arbitrary and ignorant.
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03.02.09
Posted in Biggs Articles, collision industry news, consumer advocate, body shop advocate at 9:35 am by support
The following points were crafted by industry stakeholders and offered publicly as a foundation for debate and discussion. The points are related to business practices within and between insurers and repairs. In most cases, these points address areas of concern and conflict between trading parties. By listing these points, we are providing a forum to review the issues and give stakeholders the opportunity to express their opinions related to the topic. Discussing these points does not constitute an acceptance of nor support for any of the trade practices under any name.
1. All direct repair programs should be based on transparent standards and criteria that are objective, and these requirements should pass public scrutiny.
2. Insurers should remove shop selection and all decision-making power away from single individuals and place those decisions with a board of independent individuals that cannot have a close enough relationship with a shop to gain any inurnment or gratuity. Insurers could also rotate area staff so that no single person has long-term authority over any one shop.
3. Program guidelines or agreement items should be published and audited so that field staff cannot arbitrarily modifying them creating areas for misuse and/or regional policy interpretation.
This is a preview of
DRP Fair Trade Practice Reform Points of Discussion (Now, there are 17 points)
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02.22.09
Posted in Biggs Articles, Industry Op-Eds, collision industry news, body shop advocate, assured performance network at 12:25 pm by support
At your current shop labor rate, can you repair enough cars in your market to pay all of our overhead, parts/materials, employee wages, loan payments, and achieve your profit goal? The answer today in the collision repair industry is NO! In this article we will explore why and how you might change that sobering and perhaps frightening fact.
COMPARED TO ALL OTHER COSTS:
In spite of all of the rising costs of business and the declining margins, shops are unable to raise their rates through insurance controls and have fallen far behind the rising costs. According to Bureau of Labor Statistics for the last 3 years, the cost of living for common goods and services went up 18%, with the Consumer price index increasing 11.1%. During that time the cost of electricity went up 27%, natural gas went up 24% and gasoline 146%. Producer prices increased 15%. More close to home, according to the I-CAR Ed Foundation Snapshot (2004 – 2007), technician compensation has risen 14.5%. And during this same time, the cost of refinish materials has risen 23%. In spite of this, collision industry studies show their shop labor rates have only increased by 7 to 8% and materials rates increased by only 5.5%. In many markets they have not gone up at all!
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02.17.09
Posted in Uncategorized, Biggs Articles, collision industry news, body shop advocate at 2:56 pm by support
I wrote at least 3 responses to the accusation thrown out by CCRE. Here they are for you to read and consider:
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I recently read your comments to Jeannie Silver about the DRP reform panel we conducted at CIC. I understand yours and others initial response to this as some sort of endorsement of DRP. You may even suspect that we are trying to institutionalize insurance direct repair programs in some way. You said “it looks like someone is trying to set parameters for an illegal agreement between a body shop and an insurance company.” Nothing could be further from the truth. However, lets keep in mind that when an ostrich buries it’s head in the sand, what it leaves exposed to be judged by. Furthermore, the buried head does not change what is really happening to nearly 70% of all insurance paid claims. Continued denial of the fact that illegal, unethical and immoral business practices exist will not make them go away or be any less abusive.
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02.05.09
Posted in Uncategorized, Biggs Articles, Industry Op-Eds, collision industry news, consumer advocate, body shop advocate at 11:28 am by support
When is enough, enough? On a warm spring day in Atlanta, Georgia in April, several prominent collision repair notables barked out “Enough is enough” as a declaration that they could no longer standby and accept the distorted and seemingly arbitrary demands, concessions, and illegal steering insurers do each day all over the country. Perhaps that was the tipping point when many others, even those not in attendance, shared the sentiments that enough was enough. They and thousands of others finally reach their breaking point with the way insurer direct repair referral programs are being managed throughout the country. But nothing changed.
More outrage was expressed just 6 months later when key insurance managers at multiple insurance companies were exposed for extorting shops and taking payoffs in return for putting shops on their DRP programs. Once again, regardless of the boisterous bravado expressed by the frustrated and fed up collision business owners, nothing changed. Without significant changes to the current insurer direct repair programs, all parties involved are stuck with a system and process that has become fertile gardens for corruption, abuse, extortion, inefficiency and more –visible or hidden, proved or not!
This is a preview of
DRP MUST COMPLY TO FAIR TRADE PRACTICES AND CONSUMER PROTECTION LAWS, TOO!
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01.30.09
Posted in Uncategorized, Biggs Articles, collision industry news, consumer advocate, body shop advocate at 5:43 am by support
I have a great answer on how to fix our economy and get us rolling again? I will explain starting with a little history lesson and then some simple economics. …Your answer is this: Give the Middle Class and small businesses a 30% raise!
…_____________________________________…
I watch with wide-eyed wonderment at the missteps the government is taking once again as they wrestle with trying to put the economy back on track. I am shocked at how such bright people can be making such obvious mistakes. What is most frightening is how we are about to repeat history. I just finish reading two books written 50 - 60 years ago about what caused and continued the Great Depression. I was astonished to learn about the similarities in what created the crisis then and now. If you changed the numbers, the description of the elements that preceded the crash were almost exactly the same then as now. Even worse is a recounting of how they tried to fix it in 1932 - 42 is nearly a blueprint of what they are proposing to do now. It never worked then, and it is highly unlikely to work now.
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11.03.08
Posted in Uncategorized, collision industry news, consumer advocate, body shop advocate at 11:02 am by support
The following points were crafted by industry stakeholders and offered publicly as a foundation for debate and discussion. The points are related to business practices within and between insurers and repairs often referred to as DRP. In most cases, these points address areas of concern and conflict between trading parties. By listing these points and conducting a panel discussion at CIC, we are providing a forum to openly air the issues and give stakeholders the opportunity to express their opinions related to the topic.
Discussing these points does not constitute an acceptance of nor support for insurer direct repair programs under any name.
1. All direct repair programs should be based on transparent standards and criteria that are objective, and these requirements should pass public scrutiny.
2. Insurers should remove shop selection and all decision-making power away from single individuals and place those decisions with a board of independent individuals that cannot have a close enough relationship with a shop to gain any inurnment or gratuity. Insurers could also rotate area staff so that no single person has long-term authority over any one shop.
This is a preview of
Newest Version of DRP Proposed Reform: DRP Reform Points for Consideration
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Read the full post (747 words, estimated 2:59 mins reading time)
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11.02.08
Posted in Biggs Articles at 8:43 pm by support
This election has been filled with so much spin, it is like a turbo-charged tornado. Many of the swing voters and undecideds are confused and basing their voting decision largely on emotions. The media has been doing a great job of tilting the coverage according to their bias. It is so bad that few can find the truth. Through an effective campaign, there is an unbelievable amount of pressure on all of us to elect Barrack Obama. Beside the media propaganda, Obama is charismatic, eloquent, articulate, youthful and dynamic. His campaign has more money than the total spending for both candidates in the last 3 campaigns combined! He can almost buy the election with that much money. With all that, it is difficult for most to see their Presidential choice in simple terms. If I may, please allow me to put a few things into perspective from my view point as an exercise of my consistutional rights of freely expressing my speech.
Beyond the hype there are just a few basic reasons to vote for or against Obama and John McCain. The reasons are immersed in philosophy, jobs, economics and taxation.
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07.16.08
Posted in Biggs Articles, Industry Op-Eds, collision industry news, body shop advocate at 8:31 am by support
We the unwilling have been doing the impossible for the ungrateful. We have been doing so much for so long, we are now qualified to do anything with nothing! ~Anon~
Perhaps civility, professionalism and decorum is unreasonable in today’s world. I would like to think otherwise. Some people have more brass than most, but a kind word and remembering that others have feeling too can go a long way in creating consensus and building a team or coalition where and when we need it. I may be wrong, but I am betting most that continually complain would like to see more accomplished to the positive than just gritching. If that is the case, we all must use some tact to attract others we will need in this fight. Did we not learn anything by the missteps of unilateralism?
Is it too much to ask of each other to appreciate the efforts and sincerity of others whilst we disagree with them? We can disagree even with passion, but we should leave room for dissent or we have some sort of dictatorship and autocracy … None of us will put up with that. We all have pride and should be treated with equal respect even and perhaps most especially when we disagree! Otherwise, we stop the dialog and scatter the few friends we might have had.
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10.19.07
Posted in collision industry news, consumer advocate, body shop advocate, assured performance network at 7:10 am by biggs
Even after 30 years of evolution, the only thing that has changed in the game of insurer bribes and body shop payoffs is apparently the price tag! One might think that with the invention of the DRP, all of the technology reporting, and the monitoring and measurement of key performance Indicators (KPIs), the good ole boy network would have been replaced with a legitimate system whereby shop earned their way onto a referral list. However, it would appear that the only thing that has really changed from past decades of a few unethical shop owners “greasing” some insurance guy is the price they have to pay for the referral work today!
Gil Palmer, a senior manager of Auto Club of Southern California and the principal in charge of their IRP, direct referral program was terminated following an investigation that could reach dozens or more shops in Southern California. Potentially implicated in the ongoing investigation are numerous shop owners, some with high profiles and numerous locations that dominate the southern California marketplace. Rumors allege that Palmer took payoffs in the form of consulting agreements through a sideline business he created. The rumors also suggest he received gifts in the form of cash, paint jobs on hot rod cars (you might see it on-line!), leather jackets, Rolex watches, lavish vacation accommodations, and much more. While official sources remain silent, the investigation started approximately four months ago continues today. Charges and lawsuits are pending and are expected to be filed within days of this posting.
This is a preview of
‘Cuse me, Sir. Who do I have to Pay Off to be on Your DRP?
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Posted in Uncategorized, Industry Op-Eds, collision industry news, consumer advocate, body shop advocate at 7:10 am by biggs
Just 18 days following the termination of Gil Palmer from the Auto Club, allegations of accepting bribes and abusing shops have surfaced around two more upper management insurance representatives in charge of direct repair programs. The two have allegedly accepted bribes that include a large screen TV purchased by a body shop and loaded into her car, and the other for abusing shops and possibly accepting a 5-carat diamond ring and a lavish automobile! These allegations are separate from any actions by Palmer, but they involve some of the same cast of characters.
Are they guilty or innocent? Will we ever know and will they ever be brought up on charges? Who knows, and does it really matter? With all of the accusations flying and fingers pointing, even more insurance company staff have come under suspicion, and dozens of shops are now being interviewed by investigative authorities. Some may be guilty while most will be innocent, but who really knows which is which? Regardless, these two DRP managers remain in their positions of absolute power, reigning over shops even while the investigations in separate companies go on. Somehow that seems so ironic since internal investigators are expecting shops to tell all, yet the “hammer” is still able to pound shops!
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02.08.07
Posted in Biggs Articles, Industry Op-Eds, collision industry news, consumer advocate, body shop advocate, assured performance network at 6:00 pm by support
Market Like an Insurer
Progressive’s Concierge program is the boldest action ever taken by an insurer to mitigate the role a shop plays with the consumer. But what might the possibilities be if repairers employed some of these same strategies?
THE TERM “CONCIERGE” ORIGINALLY CAME FROM THE TITLE GIVEN
to the person in a castle who held all the keys to the rooms. This person was called the “keeper of the keys” — or “concierge” in French. Today, the term has taken on all kinds of different connotations,
including representing a white glove VIP service of convenience and expedition. For example, anyone staying at a decent hotel knows that he can call the hotel concierge for assistance in making reservations, getting tickets or any number of personal services. On the other hand, when a body shop owner thinks of concierge, he most likely thinks of a loss of control over his customer. In fact, the original term probably applies more appropriately than any other when it comes to Progressive’s Concierge – “Keeper of the Keys” – program. In just the past few years, Progressive Insurance has opened nearly 50 Concierge facilities around the United States with plans to open hundreds more. Under this aggressive program,
This is a preview of
Steal a Page From the Insurers Playbook: Learn to Steer Your Own Customers!
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Posted in Biggs Articles, Industry Op-Eds, collision industry news, body shop advocate at 4:30 pm by support
The efforts of hundreds of volunteers for thousands of hours over 16 years now is claimed as “intellectual property” and owned by a private entity. What was once considered to be the collective property of the collision industry at large is now only available for a fee and you have to join their club to participate! The Electronic Standards of the collision industry are now claimed as the property of CIECA, and they are called CIECA Standards, not ours! A dangerous presidence is at stake if nothing else!
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Posted in Biggs Articles, collision industry news, consumer advocate, assured performance network at 4:00 pm by support
Assured Performance Network announced the official introduction of its separate, non-profit consumer advocate organization called Assured Performance Collision Care. The consumer advocate organization serves as a qualifying and certifying entity that provides an objective listing of qualified collision repair businesses specifically for consumers. The service allows vehicle owners to select a collision repair facility from a list of businesses that have been objectively pre-qualified by the Collision Care service. This service represents the first time a distinction has been made between body shops based upon objective standards without a participation fee, requiring concessions, or purchasing a product.
In concert with the qualifying collision businesses, the consumer advocacy organization offers consumers an exclusive type of VIP service. Now, over 5,000 independently owned shops can offer a better class of service than any direct referral programs or dispatch center, and it could be an enhancement to any. Using the tools, word track and special “qualified” or “certified” status awarded them through the program, shops can offer “peace of mind,” convenience, and VIP - white glove treatment!
Once the collision business meets the qualifications, they can use an assortment of tools packaged as the Assured Performance Collision Care VIP program. The collection enables the individual business to promote themselves, and the entire national network to offer “VIP white glove” services to consumers with “a light in every community.” According to Assured Performance, they are uniquely positioned to deliver a consumer experience even more appealing than a Concierge-like program. The “Collision Care VIP” program is a turnkey, comprehensive package including PR, promotions, marketing, advertising, word track, VIP cards, retention program, sales and even marketing to agents, dealers and insurers! It comes complete with training tutorials, brochures, direct mail pieces, commercials, consumer awareness video, displays, posters, VIP cards, video profile, and more.
The group’s founder and CEO, Scott Biggs, said, “We built this network so that top shops can compete at the next level. What this network now offers far surpasses any other group, even insurance company direct repair programs, in quality and scope of service (CARE), convenience of location, full service offering, expertise, key performance, and overall qualifications. Frankly, these shops represent what everyone needs and wants!”
Shops cannot buy their way into this program. They must be objectively qualified by meeting the Assured Performance criteria and standards. Their network of shops includes over 5,000 repair businesses demographically located within 10 - 20 minutes or less driving distance of 95 percent of the entire U.S. population. The complete national coverage has been built by objectively identifying shops based upon their business qualifications and performance, rather than on product brand purchase, price concessions, or the simple willingness to pay a participation fee. Assured Performance said that each week hundreds of shops are still being surveyed, evaluated, and analyzed to be included or excluded from its consumer-focused referral network.Biggs explained that to be chosen as part of the network, shops must have a top credit rating, all of the required tools, training, licenses, permits, and at least 5 years or more in business as well as meet or exceed standards far more stringent than those defined by the Collision Industry Conference (CIC) Class A shop definition.
This is a preview of
Assured Performance Launches Consumer Advocacy Organization to Identify, Promote & Reward 5,000 Top Shops
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Posted in Biggs Articles, Industry Op-Eds, collision industry news, consumer advocate, body shop advocate at 3:20 pm by support
No consumer on record has ever woke up on a beautiful Saturday morning, looked over at their spouse and said, “Honey, lets go shopping body shops and maybe get some collision repair today!” It has never happened and it never will because no one ever wants a Collision repair …they may need it, but they never want or desire it. Therefore, for body shop all over the world, they are selling something no one ever wants to buy. That is not exactly a strong sales and marketing position! In fact it is the foundation of what makes retail marketing so difficult for collision repair businesses.
At best, a body shop markets according to top of mind awareness – hoping to be the choice when a consumer finally has a NEED for what they sell -like a dentist waiting for tooth decay or a doctor waiting for cancer or a heart attach to strike. Without an alternative, body shops are left to the challenge of waiting and hoping for a storm or just fighting for the work that might magically or tragically appear. The marketing and advertising plan and execution must be repetitive, staged, and deliver the right message. To accomplish this, can be costly if not executed right and so most shop owners skip it entirely and rely upon other forms of gaining volume. What is worse is when the customer finally comes to the shop. Now each customer is taken through a long sales process where little selling is done but an overwhelming amount of service is offered if necessary. In a reactive mode, shops offer a wide variety of this or that – some required by the insurance community and others are part of the shop’s service offering …often carefully hidden or poorly marketed. Shops offer the services, employ the staff, invest in their shops, staff and curb appeal, but the one element that remains unchanged is the product they sell! But, insurers have taken a similar challenge and made it their competitive advantage - a concept and marketing tactic that shops could learn and employ themselves!
This is a preview of
Revolutionary Concept Reinvents and Reengineers Body Shop Sales & Marketing!
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Posted in Industry Op-Eds, collision industry news, consumer advocate, body shop advocate at 3:00 pm by support
I wonder if the repeal of the McCarran-Ferguson Act would really fix much at all. Both sides of the trading relationship are at fault and no one seems willing to change the current system - but most would like to at least tilt it to their favor!
“The fault, dear Brutus, is not in our stars, but in ourselves, that we are underlings.” W.Shakespeare, From Julius Caesar
50 different states, or 1 federal government as a target for reform still requires a coherent plan of action and someone to do something. Pooling resources amongst body shops?! You can’t even get everyone to agree to pay the lunch tab collectively! And, just who do we all trust to hold the money?! And, who do we think will spend it wisely?
The current system is obviously outside the lines by any number of interpretations of the existing laws, yet not one action has been filed in court as a class action effort. There are a few individual efforts we hear little about and few expose themselves to tell the story. Many turn a blind eye to the outrageous actions going on all day every day as long as they are benefiting from the current system, or perhaps it is that they are attempting to stay below the radar for fear of reprisal. Just question one sacred oxen in this industry and see how the self-anointed royalty of this industry reacts … They will treat you like a leper, keep you off the stage, stab you in the back in the hallways and private meetings! Your issues will be ignored, they will huff and puff at you in the back rows and they will conspire to keep you quiet … if you let them!
Just consider these ethically challenging paradoxes: Would ASA say anything if the top three insures made ASA membership mandatory for all shops? Would a shop be foolish enough and willing to potentially destroy their business just to say no to another insurer demand? Would any of you put your name on a class action lawsuit to stop the egregious tactics we all know exist? Would a mid-level manager at an insurance company jeopardize his or her career by standing up to the company policies and saying stop?
Perhaps I am naive in thinking the answer may be easier than we might think. What if we started by defining the rules and then playing by them? Consider these as examples: Why not set repair standards that we can all agree to, then pay and repair accordingly? What if insurers and repairers stopped negotiating one line at a time and agreed to a bottom line cost based upon “experienced historical costs” according to the repair standards and the practices to repair to those standards (categorized capitation)?
With these two significant steps, we would get repairers and insurers back in their respective roles and out of business practices that are probably illegal and certainly unethical. We would have a “trust but verify” foundation so the fox isn’t guarding the hen house and the cost have no limits. This would allow for insurers and repairers to gain far greater efficiencies throughout their respective businesses in areas such as cost containment, reducing the complexity of estimating, reducing cash flow issues with reserves, lowering staffing costs, friction costs, and so much more!
Yes, repeal the MFA by all means. Its usefulness has long since passed if it was ever useful to begin with. Regardless, don’t expect that the repeal will fix all our ills, nor happen any time soon. On the other hand, perhaps we can explore improved methods and business practices that have an economic upside for all. If anyone needs the motivation beyond the economics, perhaps the fear of class action lawsuits in any number of consumer friendly states will be enough! But the suits will not just show that one side is guilty! Yes, the fault, dear Brutus, is but in ourselves!
Permanent link to this post (656 words, estimated 2:37 mins reading time)
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Posted in Biggs Articles, Industry Op-Eds, collision industry news, body shop advocate, assured performance network at 2:00 pm by support
You are being hoodwinked, bamboozled or you’re just plain ignorant (defined as ignoring the facts). So which is it? You may think you aren’t, but you are! You think you are buying wholesale but you are really buying retail and your profits reflect that fact. Like most shop owners, you will think that you are buying at a great deal. Perhaps you are getting a 20 or even 35% discount off the manufactures list price on your paint or even parts, but that is not wholesale. It is no more buying at wholesale than those that smartly buy at the mall the day after Christmas. Every store will have huge signs saying 30% off or even 50% off. Those are called Sales … not wholesales! Worse, they only happen occasionally and on excess inventory.
Everything you consume and everything you add onto or use in the repair process you are buying at retail prices! Even the wording used by suppliers supports this. When sharing this revelation with repair business owners most retort that they are getting a big discount from their paint vendor or supplier. They have been lulled into thinking that a discount somehow constitutes something other than buying retail.
So lets admit it, today, shops are getting a sales discount off retail list price. You are not buying wholesale! Jobbers aren’t necessarily buying at wholesale either. Only “wholesalers or warehouses are buying at wholesale.”
If you go to the mall on the day after Christmas and see signs everywhere offering 20 – 60% off, you might believe you are getting a good discount and buying on special, but no one with half a brain would believe they are buying wholesale. Even the wording used by paint manufactures tells you that you are buying at retail when they state that you are getting 15, 25 or even 35% off list price. LIST PRICE IS RETAIL!
This is a preview of
Stop Buying Retail!: The most crucial step to collision business profits in the 2000’s.
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Posted in Biggs Articles, Industry Op-Eds, collision industry news, consumer advocate, body shop advocate, assured performance network at 1:00 pm by support
In light of the collapse of M2 Collision in the spring of 2005, where 27 shops in California closed their doors over a weekend, questions have risen about the economic viability of other consolidators and body shops in general. Unfortunately, the M2 story is not isolated. Literally thousands of shops closed in this last year, and several thousand more, including other consolidators, are on the verge of a financial restructuring or worse.
Based upon several years of uncontrollable dumping, unfair competitive practices and illegal steering, the collision repair industry is now in an economic crisis. Unlike past complaints by independent repairers, this financial crisis is not just a reflection of a maturing market or an evolving industry. Some suggest the implosion of the collision repair market and the pending demise of thousands of shops across the U.S. is business Darwinian theory at work. They theorize that the fact that thousands of collision businesses are closing their doors due to an inability to earn a living is the natural order of survival of the fittest. However, upon closer examination, one may find that the business practices of a few converging entities have created an economic reality that will no longer support the operation of a collision business that complies to all of the required standards. Worse yet, many of the obstacles to profitability are creating an environment that will not even support repairs performed to pre-accident condition.
Industry experts point to the obvious fact that there is an oversupply of repair outlets for the amount of work available as the root cause of the current crisis. Many even welcome the pending implosion of the industry and the collapse of thousands of collision repair businesses. But, before a hasty conclusion is drawn, we must examine if in fact it is the survival of the fittest or it is selectively afflicting other segments of the market. Upon closer examination, it is not the ugly, backyard body shops that are not complying with the industry standards and failing. The hardship is borne foremost by those that do – the independently owned and professional operated collision repair businesses that provide repairs according to pre-accident standards. The facts are hard to find and the cause and effect is a shocking essay of lying, cheating, stealing and deception on a massive scale!
This is a preview of
THE HIDDEN FINANCIAL CRISIS IN THE COLLISION REPAIR INDUSTRY!
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Posted in Industry Op-Eds, collision industry news, consumer advocate, body shop advocate at 12:00 pm by support
Without comment and literary conjecture, I submit to you the following points of law regarding Unfair Trade Practices. These have been extracted directly from the codes and the content has not been editing or altered in any way. Please read these carefully and as you do so ask yourself how many of these laws are being violated by insurers, paint companies, third-party claims and referral organizations and other manufacturers and vendors of product and service throughout the collision repair industry. When is it time for these unfair trade practices to stop?
Unfair Trade Practices (Concerted Refusal to Deal) 1. Without proper justification, taking an act specified in one of the following paragraphs concertedly with another entrepreneur who is in a competitive relationship with oneself (hereinafter, referred to as a ”competitor”):
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Posted in Biggs Articles, Industry Op-Eds at 11:00 am by support
It seems that it is nearly impossible to illustrate fraud or nearly anything else without some sort of standards - anywhere in the system! How can 700 examples illustrate fraud if 20 million estimates don’t show much more? The whole system is whacked!!!
How Repairs Are Paid Video (popup)
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How Repairers Get Paid: The whole system is whacked!!!
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