Myth 1: I need to get estimates from multiple shops to see who can fix my car for what insurance wrote.
Reality: Insurers write an initial estimate for your vehicle when you make a claim. However, these initial estimates often cover only about 50% of the actual repair costs. This underestimation occurs because many people make a claim, receive the payment, and then pocket the money without repairing their vehicle. To minimize payouts, insurers write conservative estimates.
But don’t worry! The supplement process exists to address this. When additional damages are discovered during the repair process, a supplement is created to cover the extra costs. Therefore, there’s no need to go from shop to shop trying to find one that matches the insurance price. Choose a reputable repair shop that can handle the supplement process and ensure your vehicle is repaired correctly.
Myth 2: I don’t want to accept their first payment because I know it will cost more.
Reality: It’s common to worry that the first payment won’t cover the full repair cost. However, accepting the first payment doesn’t mean you’re settling for less. Once we disassemble your vehicle and write up a thorough and complete repair plan, we will submit a supplement to the insurance company for the additional necessary repairs. Accepting the initial payment won’t void any future payments, as long as it isn’t labeled as the “final payment.” Always check the documentation, and feel confident that further payments can be issued as needed through the supplement process.
Conclusion
Understanding these common myths can save you time and stress during the collision repair process. Trust your repair shop to work with your insurer and handle the necessary supplements to ensure your vehicle is properly repaired.