Precision Collision Auto Body Frequently Asked Questions
Q: I have never been in an accident, what is the claims process?
A: After an accident, contact your insurance company. They will ask you to provide information regarding the accident. Make sure you ask your insurance company for the claim number. From that point we will be able to contact your adjustor to begin the repair process
Q: How can I get a rental car and will my insurance company pay for it?
A: Insurance will pay for a rental car if you have rental coverage. Some policies pay for the full amount, while others pay a percentage. You can check with your insurance company’s policy to see how much of the rental will be covered. If you need a rental car, give us a call and we will help make the arrangements for you.
Q:Do I need to schedule an estimate? How much does an estimate cost?
A: We offer free estimates. You do not need to schedule an estimate; you can stop in anytime Monday through Friday, 8 am – 5 pm and Saturday, 8 am – 10:30 am. You can also submit your repair information online through our, “schedule an estimate” link allowing us to begin the estimate process.
Q:What does OEM stand for?
A: OEM stands for Original Equipment Manufacturer.
Q: What are aftermarket parts?
A: Aftermarket parts are made by a third party manufacturer and not your vehicle’s original parts manufacturer. Often times they are less expensive, and lesser quality which is why your insurance company may prefer to use them.
Q: What does R&I stand for?
A: Remove and install.
Q: How long will it take to repair my vehicle?
A: The amount of time it will take to repair your vehicle will be determined after an estimate is written. We will also keep you informed throughout the repair process.
Q: Will my insurance company pay to have my vehicle repaired using OEM parts?
A: Yes, if you are replacing damaged OEM parts. Unless you have agreed to use aftermarket parts your insurance company is responsible for restoring your vehicle to its pre-accident condition.
Q: What forms of payment do you accept?
A: We accept cash, check (insurance and personal), Visa, MasterCard, and Discover.
Q: What should I do if your estimate is higher than the insurance estimate?
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13928 233rd Street
Cold Spring, MN 56320
Monday-Friday 8 am - 5:30 pm
A: At Precision Collision Auto Body we strive to write a very thorough estimate. Our estimate may be higher; however, we will work directly with your insurance company to repair your vehicle the right way. We will negotiate with the insurance company for any additional costs so you do not have to become the middleman.
Q: Will you work with my insurance directly?
A: Yes. We will work with your insurance to make sure that your repairs are completed to your standards and ours. We take care of the billing so you don’t have to worry about that process.
Q: How soon can I drop off my vehicle to be repaired?
A: When we write your estimate we can discuss which date works best for you. We try to be flexible with our schedule and will do our best to have your vehicle repaired at your earliest convenience.
Q: Why does my vehicle’s bumper need to be removed to be painted?
A: If we are painting a portion of your vehicle that matches up to the front or rear bumper cover Precision Collision Auto Body will R&I the bumper to ensure proper adhesion to the complete panel that the bumper typically overlaps.
Q: How will I know when my vehicle’s repairs are done?
A: We will notify you throughout the process to keep you informed on your vehicle’s repairs and the expected due date and time. Feel free to call, (320)685-5310 or email us at firstname.lastname@example.org during the repair process if you have any questions or concerns.
Q: Who do I pay my deductible to?
A: You will pay your deductible to Precision Collision Auto Body when you pick up your vehicle. The insurance company pays for parts and repairs on your vehicle less the amount of your deductible.
Q: When can I wash and wax my vehicle?
A: You can wash your vehicle immediately after repairs. Always start by rinsing it off with clean water. Use a soft sponge, and use a soap formulated for washing vehicles. You should wait 90 days after your repair to wax, which will allow the paint to cure. Apply wax twice yearly to prevent UV damage and light scratches.
Q: Do I need to get more than one estimate?
A: No, it is up to you to decide how many estimates you would like to receive. You do not have to feel pressured to get more than one estimate or to have your vehicle repaired at a shop recommended by the insurance company.
Q: Can I have my vehicle repaired at the shop of my choice?
A: Yes, it is your right to repair your vehicle at the shop of your choice. If you are not able to decide on a repair facility, your insurance may recommend one of their preferred shops or a Direct Repair Facility (DRP).
Q: What is a DRP?
A: A Direct Repair Facility or DRP is a repair shop that works directly with the insurance company. Typically the insurance company will give these shops recommendations in exchange for discounted labor rates and parts.
Q: What is subrogation?
A: Subrogation is the process your insurance company uses to seek reimbursement for costs incurred to them from an accident. They are obligated to collect from another insurer if the other party is determined to be at fault. Your collision coverage may require that you pay your deductible, which may be refunded once the other insurance pays.
Q: The insurance company says my vehicle is a total loss. What do they mean?
A: A total loss is when the cost of repairs plus the value of the vehicle in damaged condition is greater than the actual cash value (ACV) of the vehicle prior to the repairs. For example, you could have a vehicle worth $6,000 that requires $4,500 worth of repairs. This may be considered a total loss even though the repairs are only 75% of your vehicles actual cash value based on your insurance company’s standards.
Q: How is the actual cash value determined?
A: Every insurance company has a different way of determining the actual cash value of your vehicle. Most companies do this based off of vehicle options and condition as well as the value determined by the estimating system used.
Q: Is the actual cash value negotiable?
A: Yes. If you feel the actual cash value being offered by your insurance company is too low, you may be required to prove the value of enhancements with proper documentation.
Q: What will happen to the vehicle if it is considered totaled?
A: After you clean out all of your personal items the insurance will typically sell it to the highest bidder, who will either dismantle it for parts or resell it after repairing it.
Q: What other services can be done while my vehicle is in the shop?
A: Please ask. There are many services that we provide!
Q: Will the paint match after my repairs?
A: At Precision Collision Auto Body we incorporate highly specialized paints. We use the finest paint system available and constantly upgrade its technology and equipment to ensure that each vehicle's paint matches. We take pride in our ability to match factory finishes as the final step in the repair process.