FAQ about PDR

Will My Hail Damage Claim Make My Insurance Rates Go Up?

No, hail storms are considered a catastrophic event or an act of nature. The damage is covered under your comprehensive coverage. However, a collision claim (if you're at fault) could possibly raise your policy rates.

What Happens If I Choose NOT to Get My Vehicle Repaired?

Most insurance companies are obligated to put an unrelated prior damage restriction on your policy. This means any future claims will be denied until your hail damage is repaired. Also you are in breach of your contract with your lien holder if your vehicle is not repaired and brought back to value. This also lowers the value of your automobile when selling or trading it in. Basically having a loan on your vehicle requires that you repair your automobile. This is especially true for leased automobiles. When you turn in the vehicle after the lease is up, you will be responsible for the cost of repairs at that time.

Do I Have to Go Where My Insurance Company Says?

Absolutely not! You may take your vehicle to the repair facility of your choice. Prior state law prohibited insurance companies from "steering" their clients to their repair shops however it has recently been amended and insurance companies can now push harder for you to choose one of their repair shops often call "DRP" (Direct Repair Program) shops even if you have already told them you will be taking your vehicle somewhere else. Ultimately: It's your car, and your choice! Never be pressured into taking your vehicle to a shop you do not have confidence in, no matter who recommends it!

My Insurance Company Says I Need an Inspection at One of Their Shops, Is This Correct?

Yes and no. They may request an inspection at one of their DRP (Direct Repair Program) shops in the hope that they can sell themselves to you and you will choose them. This is not required, and means you are doing part of the insurance adjusters job. However, to speed up the process you may take your car to their shop for the estimate and provide us with a copy of the approved estimate. This will be faster than waiting up to 48 hours for a field adjuster to look at your car.

My Insurance Company Told Me That You Are Not One of Their Approved Repair Facilities or Direct Repair Program (DRP) Shops. Can You Still Repair My Car?

Yes, we can still repair your vehicle! We are not affiliated with any insurance companies. Our company's focus is to work for you the client instead of giving discounts to specific insurance companies. We work with all insurance carriers. All you have to do is tell your adjuster that you have made your choice to have your car repaired at Dent Technique, Inc and one of our trained insurance coordinators will take it from there. We can handle all communications and further inspections with your insurance company.

Do You Need to See My Car in Order to Write an Estimate?

Absolutely. In order to write a proper and accurate estimate we need to physically inspect the vehicle. The vehicle must be clean and inside the shop with lights designed specifically for Paintless Dent Repair. Pictures usually do not provide the level of detail we need to correctly write a estimate.

I Received an Estimate From You But the Insurance Company Wrote a Lower Estimate Why?

Most adjusters write a simplified initial estimate. It is our responsibility to ensure that all the necessary repairs are complete. Before you make your decision, you can bring in your copy of the insurance estimate and we can review them together and determine the differences.


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