A. When your vehicle is damaged in a collision, an estimate is not the first thing that you should obtain. The first order of business is to determine who will pay for the damage. In most cases, your vehicle will require some disassembly of damaged parts in order for us to produce an accurate estimate of your damage. Because of this, the estimating process is affected by the needs of the paying party. All insurance companies have different claims procedures and we will let you know the most efficient way to handle your claim. In addition, we will assist you with the claims process. Many times it is better to leave the car with us and have the insurance company inspect it with us; this can prevent discrepancies that may delay repairs.
A. The Insurance Company responsible for paying for your repairs is also responsible for paying the tow bill to the shop of your choice. If the Insurance Company selected a shop and you prefer to go elsewhere, they are still obligated to pay for the additional tow.
A. Your deductible is what you agreed to pay when you purchased your policy. If you are pursuing a claim under your policy, you may have a deductible. If the other party is at fault, your insurance company should try to pursue reimbursement of your deductible through that other party.
A. The insurance company has their Total Loss Specialist run a local market valuation specific to the year, make, model, condition and mileage of your vehicle. The Specialist will then contact you regarding the valuation. This should include the vehicle replacement cost and tax and license fees.