Dealing with insurance adjusters after an accident is stressful, time-consuming, and unfamiliar territory for most drivers. We take that burden entirely off your plate. We document all damage, submit estimates, respond to adjuster requests, push back on underpayments, and make sure you get a complete, proper repair - not just the minimum the insurer wants to pay for.
Colorado law gives you important rights after an accident. You have the right to choose any licensed repair shop - your insurer cannot require you to use their network. You have the right to a complete repair using appropriate parts and materials. You have the right to have all damage documented and repaired, not just the visible damage. And you have the right to know exactly what your policy covers before you sign anything. We help you exercise all of these rights.
Once you bring your vehicle to our shop, we take over the claim process. We document all visible and hidden damage with detailed photos and written descriptions. We write a complete repair estimate and submit it to your insurer. We communicate directly with the adjuster, answer their questions, and provide additional documentation as needed. We track approval status and follow up on delays.
A supplement is an additional estimate filed when technicians discover damage during the repair that was not visible during the initial assessment - often found when panels are removed or disassembly reveals what was hidden. Supplements are a completely normal part of the repair process. Without a shop that actively files supplements, undiscovered damage goes unrepaired. We file all necessary supplements on your behalf.
We have established relationships with all major insurance carriers including State Farm, Allstate, GEICO, Progressive, Farmers, USAA, Nationwide, and most regional carriers. We understand each carrier's processes and documentation requirements. We are also on multiple direct repair programs, which can speed up the approval and payment process.
When we handle your claim, your financial responsibility is your deductible. We collect your deductible at pick-up. Everything else - parts, labor, materials, and any supplements - is billed directly to your insurer. If there is a dispute about the scope of repairs, we handle that negotiation. You should not need to get involved in back-and-forth with your insurer at any point.
Schedule your free estimate today. We will inspect your vehicle, document the damage, and handle your insurance claim from start to finish.
Everything you need to know before you bring your vehicle in.
No. You can bring your vehicle in before or after filing a claim. Many customers bring their vehicle for an estimate first to understand the scope and cost of the repair, then decide whether to file a claim based on whether it exceeds their deductible. If you have not filed yet, we can advise you on the process and help you understand what your coverage likely includes.
Your insurer can deny coverage if the damage is not covered under your policy or if they dispute the cause of the damage. They cannot legally deny a covered claim simply because they prefer a different repair shop or want to pay less than the actual repair cost. If your claim is improperly denied or underpaid, we will document the issue and help you understand your options for disputing it.
If the initial estimate from your insurer is insufficient, we file a supplement documenting the additional work required. This is a standard process and most insurers have established supplement review procedures. We handle the supplement entirely on your behalf. You should not have to pay more than your deductible for damage that is covered under your policy.
Rate impact depends on your specific policy, carrier, your driving history, and the type of claim. Comprehensive claims for hail, weather, or theft generally have less rate impact than at-fault collision claims. We recommend calling your insurance agent before filing to understand the potential rate impact for your specific situation. We are happy to give you our honest assessment of whether the repair cost justifies filing.
Yes. If the other driver was at fault, their liability insurance is responsible for your repair costs. We work directly with third-party insurers the same way we work with your own carrier. You are not required to go through your own insurance company when another driver is at fault, though sometimes using your own insurer and letting them pursue the at-fault party is faster.
We confirm written approval from your insurer before beginning any work. We will communicate the approval status to you and explain what was approved. If anything was excluded or disputed in the initial approval, we discuss that with you before proceeding. You will never be surprised by an unexpected cost at pick-up.