Once you report your claim, Mobi will first determine whether the damage is eligible under the Vehicle Protection Plan.
If the claim is eligible, Mobi may inspect the vehicle or use a qualified estimating platform, appraiser, repair facility or other service provider to determine the reasonable cost of repairing the covered damage.
You may select a qualified repair facility to perform the repairs to your vehicle unless Mobi provides different instructions for your particular claim.
Provide the repair facility with the Mobi-approved estimate before repairs begin.
The shop should review the estimate and contact the Mobi Claims team if additional accident-related damage is discovered.
Please make sure:
Mobi has completed its initial damage evaluation
You have received the Mobi estimate or repair authorization
The repair facility has a copy of the estimate
Any questions about the scope of repairs have been addressed
Do not complete material repairs for which you are requesting Protection Plan benefits before Mobi has had an opportunity to inspect and evaluate the damage.
Additional accident-related damage should be submitted to Mobi as a supplement before the additional work is completed.
The shop should provide photos and an itemized estimate explaining the additional parts, labor or repair operations being requested.
Mobi will review the supplement and determine whether the additional repairs are related to the covered incident and eligible under the Vehicle Protection Plan.
A repair facility's invoice does not automatically determine the amount payable under the Vehicle Protection Plan.
Mobi's responsibility is generally limited to the reasonable and necessary cost of repairing eligible covered physical damage, subject to the applicable deductible, exclusions, Protection Plan limit, Actual Cash Value and other terms of the Protection Plan.
If your repair facility disagrees with the Mobi estimate, have the facility contact the Mobi Claims team before performing the disputed work so the difference can be reviewed.