Getting into an accident is stressful, and it can be tough to think straight in the immediate aftermath, especially if you’re banged up. Basic Auto Collision Team, an auto body shop based in Honolulu, HI, says that’s why it’s vital to be aware of the basic steps to take beforehand. Here, they answer a few common questions about collision repairs.

An Auto Body Shop Answers Collision Repair FAQs

Do I Need to Use My Insurance Company's Preferred Shop?

In short, no. In most states, insurance companies are legally obligated to accommodate the driver’s choice of repair facilities. There are, however, advantages to using a shop in your insurance company's preferred network: Repairs often cost less because of contracts between the facility and your insurance provider. In addition, the shop is strongly incentivized to maintain high-quality work so as to keep the steady flow of business from the insurance company. 

Should I Get Multiple Estimates?

You don't have to. If you have car insurance, chances are you'll pay one flat deductible for the repairs, and your insurance company will cover the rest. A difference in repair costs, even if it's several hundred dollars, usually won't affect what comes out of your pocket. 

Is a Car With Serious Frame Damage Totaled?

Not necessarily. In the past, cars with severe frame damage were all but scrap metal, destined to be deemed totaled by insurance companies because of the high cost and difficulty of such significant repairs. Today, though, auto body shops have powerful, cutting-edge tools capable of straightening even badly bent frames. 

Will Getting Collision Repairs Affect My Insurance Rates?

This depends on several factors, including how the damage happened and who was deemed at fault. For the best, clearest answer, contact your insurance agent. If they confirm your rates will be higher, you may want to get an estimate from a mechanic to see how much it would cost for you to pay for the repairs yourself. In some cases, it might be less.

Basic Auto Collision Team has developed a stellar reputation in Honolulu for fast, effective auto body repair work. The expert technicians specialize in body work on luxury vehicles and have state-of-the-art digital scanning equipment to help them diagnose car issues with both expediency and accuracy. Visit the team's website to learn more about their vehicle repair work, or call them directly at (808) 842-3966.