Addison Auto Center


Insurance Claim or Self Pay - Q & A on Coverage

Insurance Claims

Many people who have insurance coverage are reluctant to make a claim because they’re afraid of how it may affect their insurance rates, especially if a teenage driver is involved. Some insurance companies can tell you how your rates will be affected by a claim and other companies will tell you that there are too many factors involved to predict how a claim would affect rates.

Know Your Rights Repairing your Automotive Collision Damage

When an insurance company is paying the claim, the vehicle owner needs to decide which body shop they would like to have perform the repairs and inform the insurance company which shop they have chosen. Please know it’s your right to choose who repairs your vehicle Colorado law. C.R.S. 10-4-618 states that an insurance company cannot require you to have your vehicle repaired at a particular shop. This was enacted in part because one insurance company had set up its own body shop, a clear conflict of interest in the opinion of the legislature.

QuestionDo I need more than one estimate?

AnswerOnly if you want to discuss the repairs with more than one shop If you have selected a shop, have your insurance company deal directly with them.

QuestionWho writes the estimate?

AnswerEither the repair shop or the insurance company’s adjustor will write the estimate and provide the owner with a copy and explain how the repairs will be done. There is no good reason to get multiple estimates accept to waste your time If hit by a 3rd party and they’re held liable and they ask you to collect more than one.

QuestionHow is unseen damage (not listed on an estimate) handled?

AnswerIf additional damage is discovered during the repair process, the body shop will inform the insurance company and receive approval for the additional work.

QuestionDo I have rental car while my vehicle is being repaired and who sets it up?

AnswerAs a claimant you’ll have a rental while your vehicle is in the shop. As an insured, if you included rental coverage on your policy (we recommend purchasing car rental to your policy, it’s cheap and well worth the investment). Your insurance company will authorize and set up a car for you. Please let us know if you would like us to arrange for a rental car when the damaged vehicle is dropped off. When the repair is finished the customer is notified and can drop off the rental when they pick up their vehicle.

QuestionWhat is my guarantee?

AnswerA lifetime repair warranty on workmanship and materials is for as long as you own the vehicle.

Self Pay Claims

If a vehicle owner decides to pay for collision repair, the owner should become familiar with the estimating and repair process.

QuestionWhat can increase the charges of my estimate?

AnswerAn estimate is not a bid, but an evaluation of the visible damage Items that can change the cost of the repair are discovery of hidden damage and parts prices differences between the actual price of a part, and the price listed on the estimating system. Sometimes a repair done on a door, fender or quarter panel covers a bigger area than originally thought and this in turn will require the paint to be blended onto the adjoining pane.l Insurance companies understand that these changes routinely come up in the repair process and approve additional charges. We will inform you of additional charges before proceeding.

QuestionWhat is the difference between the estimate and the repair order?

AnswerThe dictionary defines an estimate as “a rough or approximate calculation only”. Often it is initially impossible to estimate collision damage without dismantling the vehicle. The repair order is an actual blueprint of the repairs listing parts, labor, and other relevant items. A repair order can only be finalized upon the completion of repairs.

QuestionWhat is my guarantee?

AnswerA lifetime repair warranty on workmanship and materials is for as long as you own the vehicle.

Other Commonly Asked Questions on Auto Insurance Coverages

QuestionWhat is collision, comprehensive and liability coverage?

AnswerInsurance policies are contracts designed to protect people in one of there ways; liability, collision and comprehensive. All states require the vehicle owner to carry some form of liability coverage. This type of coverage pays for damages you may do to someone else or their property. It does not cover damage to your property. You may purchase optional forms of coverage, such as collision or comprehensive, to protect yourself and your property. Collision coverage will repair or replace your covered vehicle in the event it is damaged in an accident, even if the accident is your fault. Comprehensive coverage covers perils such as fire, theft, and vandalism. Both collision and comprehensive coverage typically require the owner to pay the first portion of the claim, called the deductible.

QuestionWho are the claimants and insured?

AnswerYou are the insured when your policy is paying to repair your vehicle. Your deductible will usually apply. You are the claimant when someone else’s insurance is paying your claim. You should not pay a deductible, and may be eligible for personal injuries to you and your occupants(s), and loss of use or rental reimbursement while your vehicle is being repaired.

QuestionCan the shop help bury by deductible?

AnswerNo. When you purchased your insurance policy, you signed a contract saying you will pay the first amount of the claim up to your deductible Repairers should not be asked to hide the deductible. That practice would constitute fraud by both the shop and consumer.

QuestionWho is responsible for the quality of repairs?

AnswerThe shop you choose is responsible for the quality of repairs. As the insured, you are responsible for paying for those repairs. The insurer is responsible for reimbursing you to the limits of your policy. That is why it is important that you choose your insurer, as well as repair facility, carefully.

QuestionWhat is subrogation?

AnswerSubrogation is the process by which your insurance company pays for the repairs to your vehicle, and is obligated to collect from another insurer or party. Your collision coverage will require you to pay your deductible, which may be refunded once the other party pays.

QuestionThe insurance company says my car is a total loss. What does that mean?

AnswerThe value of the vehicle-the sum of the cost of repairs plus the value of the vehicle in damaged condition (salvage value)-is greater than the actual cash value (ACV) of the vehicle prior to the accident.

QuestionHow is the actual cash value determined?

AnswerThe insurance company will assign an appraiser to inspect the vehicle to determine its condition prior to the accident, or in some instances allow the repairer to make the determination. They may use a car evaluation service or the newspaper to determine pre-accident value. The owner should also determine the value independently.

QuestionIs the ACV negotiable?

AnswerSometimes If you feel the ACV offered by the insurance company is too low, then you are obligated to prove this either through documented receipts of vehicle enhancement or written statement by qualified experts to determine the proper value.

QuestionWhat will happen to the vehicle?

AnswerThe insurance company will sell it to the highest bidder, who will either dismantle it for parts or re-sell it after repair it.

QuestionWhat if I want to keep it?

AnswerYou have the right to retain ownership of the vehicle, but the amount of the settlement may be reduced by the salvage value.

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Serving Virginia Village, Holly Hills, Southmoor, Cherry Hills Village, Greenwood Village, University Park, University Hills, Belcaro, Hilltop,Cherry Creek, Washington Park,Bonnie Brae, Southmoor Park and greater SE Denver area since l982.

We work (auto repair, auto body work and hail damage) on all makes of cars and trucks, including: Audi, Chevy, Chrysler, Ford, German Cars, Honda, Jeep, Kia, Lexus, Mini Cooper, Nissan, Saab, Subaru, Suzuki, Toyota and Acura through Volkswagen and Volvo.