Frequently Asked Questions

What to do if you are involved in an accident:

  1. Stop. Stay calm. Do not leave the scene.
  2. Call law enforcement authorities immediately.
  3. Do not discuss the accident with anyone except the police or your insurance company. Do not pay the other party.
  4. Secure the names and addresses of involved parties and witnesses.
  5. Have your vehicle towed to Touch of Class Collision if not driveable. If your vehicle is driveable, see us as soon as possible.
  6. Notify your insurance company of the accident and that we are doing your repairs

 

Facts you should know:

  1. You are not required to get more than one estimate.
  2. You may have the shop of your choice make the repairs. You are not required to use a shop selected by a claims adjuster. However, you are required by your policy to allow your insurance company a reasonable amount of time to inspect the damages prior to repairing them.
  3. Only you, the vehicle owner, can authorize repairs on your vehicle.
  4. Repair estimates will vary. A lower estimate may not include necessary things. It's your vehicle, make sure it's repaired to your satisfaction.
  5. Your insurance company wants your vehicle properly repaired and you to be completely satisfied with their claims service. You have specific rights and obligations. Review your policy. Understand your rights.
  6. The vehicle is being repaired for you the owner. You will be required to pay for the repairs upon completion. To avoid delays, it will be up to you to secure payment from your insurance company, along with any necessary endorsements from lien holders.
  7. Our shop stands ready to assist you in any of these matters. We will work closely with you to minimize your inconvenience and maximize your satisfaction. This is our pledge to you.

 

How to protect your vehicle finish:

  1. Avoid car washes that use rotating brushes and harsh cleaners. Use soft cloths when washing your vehicle.
  2. Avoid waxing for three months. It is recommended that you wax at least twice a year.
  3. Wash off any gas, oil, or fluid spills of any kind immediately with soap and water. Do not just wipe off.
  4. Always wash off any bird droppings, tree sap, or other signs of contamination immediately. "This is very important."

CONSUMER’S GUIDE TO COLLISION REPAIR

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How Do I Choose a Collision and Refinish Center?

As the owner of a motor vehicle involved in an accident or submitting an insurance claim, you have the right to choose the shop where you wish to have your vehicle repaired. Verify your shop of choice is registered with the state of New York and look for certificates of technician training and memberships in professional associations.

Do I Need More Than One Estimate?

No. Select a repair facility that you feel comfortable with, then notify your agent or insurance company, or ask the shop to call the involved insurance company on your behalf.

DRP Body Shops – What Are They?

Direct Repair Programs (DRP) or insurance company referrals of certain repair facilities could be known as: State Farm’s “Service First” program, Allstate’s “PRO” program, USAA’s “STARS” program, Progressive’s “Total Pro or Concierge” program, and Nationwide’s “Blue Ribbon” program. Please refer to our glossary of other known insurance company DRF or referral program names.

Although insurance companies refer to direct repair programs differently, they essentially mean the same thing. DRP repair facilities are shops that have formed strategic alliances with insurers. The shop meets the insurance company’s criteria of their specific program and the shop agrees to do business in that manner. The insurance company’s purpose of DRP (Direct Repair Programs) is to streamline the claims settlement process and they work closely with a select repair facility to accomplish that. The shop agrees to provide many of the administrative duties of the insurance carrier in exchange for the referral. All insurance companies, just like repair facilities are not the same. It is the consumer’s responsibility to determine if this program is what you want, or if this is how you want your vehicle repaired. The repair facility must explain the repair process to you, the vehicle owner. It should be understood and agreed upon on what is being repaired vs. what is being replaced, and what type parts are being utilized in the repair process prior to the vehicle owner authorizing the shop to proceed with the vehicle repairs. It is the consumer’s responsibility and right to choose the repair facility of their choice and authorize the repairs based on a thorough and agreed upon damage evaluation. DRP’s (Direct Repair Programs) are an optional program of the insurance carrier. The consumer is not required or obligated to use a DRP repair facility.

What Is An Insurance Policy?

A “contract” defining coverage and outlining policy limits. It further outlines what is covered and what is not. It also outlines any limits or exclusions of coverage within your contract. It may also define what type parts they are going to pay for in the event of a loss. It also defines your agreed upon deductible for collision and comprehensive provisions as sometimes these deductibles are not the same.

Notify Your Insurance Company.

Before authorizing any repairs, notify your insurance company or agent and tell them where the damaged vehicle can be inspected. Most, if not all, insurance policies require notification and they will likely have questions regarding your accident that only you can answer. The insurance company may wish to send an adjuster of their choice to inspect the vehicle and review the shop’s estimate prior to repair. Some insurers have drive-in claims centers that also could be considered if the vehicle is safe and driveable.

Is the Work Guaranteed?

Most collision repair centers warranty their collision work to some degree. Ask to see a copy of the shops written warranty before repairs are started and have any information you do not understand clarified. Make sure the terms of the warranty are acceptable to you. Make sure you receive a copy of the finalized invoice itemizing repairs including any supplements. Verify that you are satisfied with the quality of repairs made to your vehicle prior to payment.

What Do I Do if I Am Not Satisfied With Repairs After Picking Up My Car?

Immediately contact the repair shop and they will address any concerns you may have.

Will the Repair Shop Have a Rental Car Waiting For Me When I Drop Off My Vehicle?

If you need a rental car to drive while your car is in the shop, most shops can arrange and reserve one for you ahead of time.

Will The Collision Repair Shop Help Me Process My Claim?

Some shops will submit the estimate and repair bill to your insurance company in your behalf. However, you are still responsible for the payment to the shop. Talk to the shop owner or manager, they will attempt to make the transaction as seamless as possible.

What If Repair Costs Exceed the Original Estimate?

Often times in the collision repair process, especially after and during disassembly, additional damages are found resulting in more labor and parts needed to restore the vehicle to pre-accident condition. Parts sometimes come in at a higher price than quoted. These additional charges are called a supplement.

What If My Airbags Have Deployed?

Currently, all vehicle manufacturers state that only new, OEM parts be utilized after an airbag deployment. Further, they also often times require other components to be replaced to insure the system is fully restored to make certain it will function as it was originally designed and intended to perform in a subsequent accident.

The Following is a Glossary of Abbreviations and Terms Commonly Used in the Collision Industry and the Estimating Process.

OEM

The abbreviation “OEM” implies that the part or parts are made by the original car company manufacturer or its licensed supplier and is a genuine new part warranteed by the vehicle manufacturer.

A/M

This abbreviation for “aftermarket” indicates parts made by a manufacturer other than the original vehicle manufacturer. These parts are warranteed by the manufacturer of the said part or their distributor. There are two levels of aftermarket parts – one being “certified” and the other “not certified”.

QRP

Quality Replacement Part, another term for Aftermarket Parts.

Competitive Parts

Another term for Aftermarket Parts.

LKQ

Like, Kind and Quality – meaning used parts from a salvage vehicle of the same make and model, usually from the same year or newer than the vehicle being repaired with comparable or less mileage than the vehicle it is being used for.

Recycled

used parts from a salvage vehicle that re-enters commerce when sold to a repair shop. The repairer then takes the used component and performs the necessary steps to put it in a recycled condition that will then be utilized in the repair process.

Remanufactured Part

A used, original factory part that has been refurbished to new condition. (This could be an original car company (OEM) part or an aftermarket supplier.) This procedure could be performed by an original car company supplier or a licensed aftermarket supplier for the car company.

Rebuilt Part

A rebuilt part may not be an original car company part; it could be an aftermarket supplied part. This is a part that is being repaired and serviced for the purpose of resale. Rebuilt parts are typically supplied by an aftermarket source.

CAPA

This abbreviation is for “Certified Automotive Parts Association” - CAPA parts are aftermarket parts certified by an unbiased third party that insures the quality of the parts they test are equal to or greater than the original car company part.

O/H

Overhaul - Remove an assembly, disassemble, clean and visually inspect it, replace needed parts, reassemble and reinstall on the vehicle making any necessary adjustments.

R & I

Remove and Install – Usually referring to parts being removed from a vehicle to facilitate repairs or to allow access. The same part is then reinstalled on the same vehicle it was removed from.

R&R

Remove and Replace – This abbreviation means that a part is being removed and replaced with a new, recycled or aftermarket part.

Overlap

An automatic deduction made by the estimating system when two processes are duplicated. Therefore, not allowing for excess charges.

Blend

A process of gradually blending the paint into the adjacent panel being replaced or repaired to facilitate an acceptable color match.

Tint

Means time spent by a painter to tint the color to achieve an acceptable paint match.

Flex Additive/Materials

A product put in paint to make the paint flexible for use on soft parts, such as bumper covers and side moldings.

Color Sand and Buff

Process of sanding a repainted surface with ultra fine sandpaper to remove minor surface imperfections in the paint, or to achieve the same texture of the paint finish as the rest of the vehicle. After sanding the repainted parts are then buffed to restore original gloss. This process may also be referred to as “Denib and Buff”, “Final Sand and Buff” or “Finessing”.

PDR

Paintless Dent Repair – The process using specialty tools to remove minor, rounded dents, such as hail damage dents, without damaging the paint.

Glossary of PDR/Insurance Company Referral Programs

* Allstate PRO ( Preferred Repair Outlet) * American Family CRP (Customer Repair Program) * Erie Insurance DRP (Direct Repair Program) * Farmers Insurance COD (Circle of Dependability) * GEICO - Auto Repair Xpress Locations * GMAC - Gold Medal Repair Program * Grange VIP Program * Hartford CRSP (Customer Repair Service Program) * Liberty Mutual TLC ( Total Liberty Care Program) * Metropolitan - MetLife GRP - (Guaranteed Repair Program)