Insurance
Experience convenience when you partner with Fort Collins Collision Repair for all your repair needs.
We Work With 99.9% of Insurance Companies
Fort Collins Collision Repair works with most insurance companies. We will give you an independent quote based on industry standards. It’s up to you to choose the facility you would like to repair your car, as you’re not obliged to bring your car to repair shops recommended by your insurance company.
In addition, it is your right to have your car restored to its pre-accident condition. At Fort Collins Collision Repair, our expert team will handle all facets of billing and work with your insurance company to ensure that your car receives proper services and gets restored to its pristine condition.
Some insurance companies might try to steer you to their “preferred” and “certified” shops. These shops are usually willing to compromise the quality of your repair in order to be in the insurance company’s DRP (Direct Repair Program). We do not have any DRP agreements because we don’t compromise the quality of our work.
Our sole objective is to get your car back up and running and get your insurance company to pay for a proper repair. We work for you, not for your insurance company. We will, however, work with your insurance company to provide the safest and best repair possible to restore your car to pre-accident condition.
How Some Insurance Companies Compromise Quality in Favor of Their Own Profit Margin
Like all industries that work with insurance companies to meet client needs, the collision repair industry has gotten quite a wake-up call in recent years. Consider this excerpt from Body Shop Business, a popular body shop trade journal. The article was written by a body shop owner:
“I recently ended my direct-repair relationships with two major insurance companies, each of which brought me gross sales of more than $1 million per year. You heard me right. That’s $2 million annually I gave up. Why? Because I could no longer afford to work for them…. A contract needs to be beneficial to both parties. Our current DRPs aren’t. They are one-sided, in favor of the insurance companies… We need to work with insurers that want quality and are easy to work with, ones that allow us to maintain a reasonable profit margin…”
Example of Insurance Gap
Today, we are working on a 2010 Dodge Charger. The insurance company wrote an estimate for $845. After taking the car apart, we determined there was an additional $2059 in damage. Do you think the insurance company’s repair shop would find that much damage or try to keep it as low as possible to keep their relationship going with the insurance company? These supplements are common. Several large insurance company estimates are easily doubled once we get them in the shop and take them apart. They do pay to properly fix your car so that your car is brought to pre-loss condition. We are considered a lawyer for your car’s rights.
***Notice the yellow marks. This marks repairs that the insurance company did not include in their initial estimate.
Our Approach and Our Advice
Fortunately, neither the client nor the repair facility has to put up with substandard repairs and abuse from insurance companies. We will work with your insurance company and represent your right to a proper repair.
Our advice to customers: Get an independent estimate and let your insurance company know that you expect a complete and proper repair that brings your vehicle back to its pre-accident condition. We are happy to help you through the process!
