Do I Have to Get Multiple Estimates For Repairs?
No. Each insurance company may handle the process differently and some may ask you to get estimates and if you like you may, however you can request the insurance company send an adjuster to write your estimate which you will take to the shop of your choice. Many insurance companies have chosen shops to process their claims on what is commonly referred to as a DRP or Direct Repair Shop. Remember where your vehicle is repaired is your right. See (DRP or DIRECT REPAIR)
What is a DRP or Direct Repair Shop?
Many insurance companies have selected collision repair shops to handle the claims process. There are many advantages to this process. We have the advantage of writing a more complete and accurate estimate which will save the delay of waiting on an adjuster. Your estimate will be electronically sent to the insurance company. During the course of repairs additional items related to your claim will be added without the delay or waiting for a re-inspection to approve additional repairs. All repairs are guaranteed as long as you own the vehicle and in the event you travel or move the warranty moves with you. Direct repair shops adhere to very strict guidelines.
How Do I Know If My Vehicle Is Totaled?
Currently the State Law for total loss threshold is 70% of the vehicles value for vehicles newer than 7 years old. If the cost to repair your vehicle exceeds the threshold the insurance company must total the vehicle by law. If you have a vehicle older than 7 years old the insurance company may use their own discretion up to 100% of the value. In rare cases some insurance companies will total vehicles below threshold if the damage becomes within close range of a total loss threshold due to average hidden damage, rental fees that drive their claim cost over their limit.
What If My Vehicle Has Frame Damage?
Most passenger cars and SUV’s have what is referred to as a UNIBODY structure. During the estimate process an initial assessment will be made. During the repair process Our Certified technicians will assess the full extent of damage and measure your vehicle using our Sonar 3 Dimensional Measuring System. Using your vehicles manufacturing guidelines as well as industry approved repair methods we will repair or replace structurally damaged areas to restore your UNIBODY to pre-accident condition. Full frame vehicles such as large SUV’s and most pickup trucks also may be repaired with approved methods or in severe cases replaced the entire frame. As with all structural repairs complete structural integrity is a must for a proper repair for panel fitment and wheel alignment.
Do I Have To Pay a Deductible?
If you are using your insurance company to pay for your repairs, check your policy or with your company representative. If we will be processing your claim the electronic assignment we receive may state your deductible amount. A deductible is the portion of the cost of repairs you will pay. Example: if you had a $250.00 deductible you will pay the first $250.00 and the insurance will pay the remainder except repairs subject to betterment. (See Betterment). Your deductible will be due when repairs are completed at time of receiving your vehicle.
What is Betterment?
Betterment also known as depreciation and may be charged by insurance companies for items that have a wearable life span. Example: If a tire has ½ of the tread worn the insurance company will pay for 50% of the new tire as the other 50% has been consumed, or if a damaged battery that is rated for 60 months (5yr.) is 2 years old when damaged the insurance company may take a 40% (2/5ths) betterment. Betterment charges will be due when repairs are completed at time of receiving your vehicle.
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