Northwest Community Credit Union
 
 
 
 
Northwest Community Credit Union

Fraud and Scam Awareness: Auto Repair

The National Highway Traffic Safety Administration estimates that consumers lose tens of billions of dollars, annually, due to faulty or unnecessary car repairs. Auto repair problems make up the largest group of consumer complaints in our country. Most repair shops are honest; however, undercover repair stings invariably turn up several dishonest auto mechanics in any city. Average people do not know enough about auto mechanics to protect themselves. It is not difficult for an unethical mechanic to convince car owners that unneeded repairs are necessary. Unfortunately, consumer protection agencies have a very difficult time proving fraud after a shop makes repairs.

  1. The end-of-day surprise
    Consumers who do not get written estimates may suffer painful repair charges when they pick up their cars. The "end-of-day Surprise" is when a shop provides a very reasonable quote when the car is dropped off. At the end of the day, the consumer finds that the mechanic has raised the final charges considerably. Of course, this all seems perfectly legal, since "additional problems" were found once work began. Some mechanics may even leave estimated amounts blank when they ask customers to sign authorizations for repair. The mechanic can later fill in the inflated amount or description of problem.
     
  2. Highway bandits
    "Highway bandits" own, or work for, highway service stations. They prey on motorists who stop for gasoline or routine checks. The swindler then sprays oil somewhere and claims that the traveler’s car is leaking. They may even puncture tires or cut water hoses, showing this "wear and tear" to the unfortunate motorist. Highway bandits focus on the danger of driving without making the repairs. Such swindlers often charge highly inflated prices. But where else can a stranded motorist go? Highway bandits even drive up beside travelers, wave the driver over, and show them a supposed leak which requires on-the-spot emergency service.
     
  3. Maintenance hooks
    Some repair shops advertise check-ups or preventive maintenance service at very reasonable rates. Unethical shops use these maintenance specials to "hook" and deceive consumers. Simple oil changes can turn into expensive, unneeded repairs. Some cheating mechanics will even cause damage during an inspection in order to get the repair job.
     
  4. Misrepresentation of repair needs
    The complexity of the modern automobile is such that expert mechanics may disagree over what repairs are necessary to correct a problem. It is, therefore, quite easy for an unethical auto mechanic to deceive the average consumer. Beware the mechanic who seems a little too pat at explaining the particular problem with you car.
     
  5. Non-replaced or junk yard parts
    Dishonest mechanics have been known to charge customers for parts that weren’t used. In addition to this, the mechanic can charge for labor to install the non-existent replacement. Used parts are a perfectly viable option for many repairs; however, some mechanics will charge customers for new, premium parts after installing sub-standard or used car parts.
     

Precautions for auto repairs

  • Always ask for a written-estimate before you authorize repairs
  • Ask if repairs are guaranteed, and get all guarantees in writing
  • Check out a repair shop’s history with the Better Business Bureau before you take your car there
  • Don't tell a repair shop what repairs to make unless you are absolutely sure you need the repairs
  • Get several estimates from different shops for any major repair job (you may have to pay for estimates)
  • Look for a repair shop with certified mechanics
  • You can save money by asking for used parts, but make sure to ask for your replaced parts (at least to see the parts)

This credit union is federally insured by the National Credit Union Administration. Equal Housing Lender.
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