Frequently Asked Questions
Straight answers on insurance, deductibles, bumpers, paint, and timing. If yours is not here, call the shop and ask for whoever is at the front.
// Insurance
No. Texas Insurance Code 1952.301 says an insurer can't require you to use a particular repair shop. Your carrier can recommend one and can tell you what it will pay, but where the car goes is your decision.
If another driver is at fault, their liability coverage pays. If you're at fault, your own collision coverage pays, after your deductible. If you'd rather not file a claim on a small repair, you can pay for it yourself.
If another driver is at fault, their insurance generally owes you a rental while your car is being repaired. On your own policy, it depends on whether you carry rental coverage, so check your declarations page.
// Cost
Not when the other driver's insurance accepts fault. On your own collision coverage your deductible applies. If a shop offers to make your deductible disappear, walk away. That usually means a padded bill to your insurer, which is insurance fraud.
Sometimes it isn't. If the repair costs about the same as your deductible, paying for it yourself keeps a claim off your record. Get the free estimate first, then decide.
// Repair
It depends on the damage. Scuffs, scratches, and small cracks can often be repaired and refinished. A big tear, broken mounting tabs, or a cover that's badly pushed in usually means a new one. We'll tell you which once we see it.
We mix to your car's paint code and blend the color into the panel next to the repair, so your eye has no edge to find.
It depends on the damage and whether parts have to be ordered. We'll give you a time frame once we've seen the car.
Still Have Questions?
Call the shop, or drive the car in and we will look at it with you. Nothing is owed for a look, and you are not committing to leaving the car.