Frequently Asked Questions
To better assist you we have answered a number of questions below related to insurance, repair, and other matters. We hope you will find these answers beneficial.
Can I take my car to the repair shop I choose? (top)
Yes. Your insurance company cannot require you to have your vehicle repaired at a specific repair shop. Your policy will cover the reasonable cost of repairing your vehicle to its pre-accident condition no matter where you have repairs made.
Quality Care Collision & Refinishing works with all insurance companies to return your vehicle to pre-accident condition.
Must I obtain more than one estimate? (top)
Your insurance company may require more than one estimate before settling your claim. Multiple estimates help insurers determine the extent of your loss and prevent fraudulent claims. However, your insurance company cannot require unreasonable travel for you to obtain an estimate or for the company to inspect your vehicle.
If you have an initial insurance estimate, Quality Care Collision & Refinishing will begin repairs on your vehicle and, if necessary, work directly with the insurance company on your behalf for any supplemental repair costs due to hidden damage.
How long will the estimate take? (top)
Allow approximately 20 minutes for us to inspect your car and write an estimate. If the damage is extensive or you have an unusual or custom vehicle it may take longer.
My insurance company wants me to bring my car to their claims center for an appraisal. Do I have to do this? (top)
You may want to do them that favor, or you may leave your car at our shop and request that they inspect it here.
Can I know my insurance company will be fair? (top)
The insurance company is required to return your vehicle to the condition it was in before it was damaged. Either the company can pay all costs to satisfactorily repair your vehicle, including all obvious and hidden damage, or they may offer cash settlement to pay for the satisfactory repair of your vehicle.
Once my insurance company issues a check am I responsible for any additional charges? (top)
Any estimate is just that - an estimate. An appraiser can only report that damage which is visible. When additional damage becomes evident as the repair progresses, a claim can be reopened and a supplemental payment issued. In fact, most large collision repairs require at least one supplement to the original estimate.
Can the estimate absorb my deductible? (top)
No. You must pay the deductible amount before the insurance company pays any benefits. An honest repair shop will always say no to this question, and here’s why: An insurance policy is a contract between you and your insurance company. Essentially it says that you’ve agreed to pay the first portion of the cost of repairs if you file a claim. In return your premium is lower than it would be. This is not only because the company pays less in claims, but also because deductibles cut down on people cheating the company with false claims. You may recall choosing between a lower deductible and higher premiums when you first arranged for insurance.
If a body shop conspires with you to “bury the deductible” this constitutes insurance fraud and is against the law. Insurance appraisers are very experienced in estimating the costs of repairs and can’t be fooled by an inflated estimate. In order to “bury the deductible” an auto shop will have to make short cuts in repairing your car. In this case you get a second-rate repair job which lowers your car’s value at trade-in time. And remember, a shop that will cheat the insurance company will cheat the customer as well.
Do I have the right to a rental car? (top)
If you have purchased rental car coverage, you can file a claim with your own insurance company for reimbursement. Generally, you are entitled to a vehicle comparable to your own. However, in the case of certain high-value, high-cost vehicles, you may have to demonstrate your need for a specific replacement vehicle.
If you did not purchase this coverage, or if you do not want to file a claim with your own insurance company and if it is determined that another driver was liable for the accident, you have the right to seek reimbursement from the other driver’s insurance company. Customers without insurance for the rental can pick up a loner car.
What if my car has frame damage, can it still be repaired? (top)
Yes, we have the experienced technicians and all of the state of the art equipment required to straighten your car’s frame and be sure that it’s back to specifications.
Will the new paint match my existing paint? (top)
We offer a state-of-the-art, computerized spray booth with a tile floor in order to insure that no outside contaminates hinder the process of providing you a line-new finish to your car. It moves 10,000 square feet of air per minute, ensuring clean air. Seventy two color sensitive florescent bulbs ensure the clarity of the panels they are matching. The Blow Therm spray booth is fully heated, insulated, and environmentally safe. It is so efficient that you can spray paint a complete car, bake it, and in one hour put it outside. Quality Care can guarantee to match the original equipment manufacturer's specifications for vehicle color.
Now that my vehicle has been in an accident will it ever be the same? (top)
A collision brings about many changes to an auto. It is the role of the collision repair technician to restore the safety, function and appearance of your car to pre-accident condition. Using the latest in repair technology and original parts, your car is structurally rebuilt to its factory dimensions and tolerances.