We accept all insurance claims
Our dedication and commitment to our clients is second to none. You should contact your insurance company to obtain a claim number or repair estimate before scheduling a visit with East Cooper Paint and Body Shop. Our insurance specialists are here to assist you and available at (843) 884-2155 to walk you through the process of repairing your automobile.
Frequently Asked Questions (FAQ)
I’ve never needed accident repairs before. How do I get my car repaired through an insurance company?
Most insurance policies require you to notify the company and file a claim before any repairs are made. Contact your insurance company (or the other driver’s insurance company). They will ask you to explain what happened. When that is finished, they will give you a claim number. Once you have this information, East Cooper Paint & Body Shop can handle the appraisal of your vehicle’s damage and everything else for you.
Do I have to go to the shop the insurance company directs me to?
No. In most states, it is your legal right to do business with the shop of your choice. An insurance company may direct you to a shop they have a partnership with. Be very careful when selecting your repair facility. Always research your shop to discover its technical expertise and the quality of its parts and service.
Do I have to go to the insurance company’s ‘drive-in’ claims office?
No. There’s a chance that the estimate you’ll receive may not reflect a thorough assessment of the damage. Instead of going there, you can simply tell your insurance company that you’re leaving the vehicle with us and ask them to send their appraiser to our location.
If you have a claim number, we will notify your insurance company for you and request a field appraiser be sent to our shop. We will also make sure that the appraiser arrives promptly.
Do I need to get more than one estimate?
No. There is no law that requires this, as it is the insurance company’s obligation to adjust your claim fairly. Your insurance company may require you to schedule an appointment with their drive-in claims service or to see one of their appraisers. After you receive their estimate, you may take your vehicle and this estimate to the shop of your choice.
If you initially leave your vehicle with us instead, East Cooper Paint & Body Shop will make sure the insurance appraiser writes a fair estimate of the cost required to repair your vehicle.
Your estimate is higher than the one the insurance company gave me. Do I have to pay the difference?
No. Your insurance company is obligated to return your vehicle to its pre-accident condition and they will pay for the correct repair. You are only responsible for your deductible, if there is one.
Who pays for the repairs?
The owner of the vehicle does, however, your insurance company has an obligation to repay you for the bills. In general, you are only responsible for paying the deductible and the insurance company will send you a check for those expenses in excess of the deductible. In some cases, the insurance company could pay the repair shop directly, but you will need to sign an authorization form.
When do I have to pay a deductible?
The amount of deductible you’re responsible for is determined by your insurance policy. In certain policies, if you are not at fault, the insurance company will waive your deductible. If you are not sure about your deductible, call your insurance company. If your deductible has not been waived, you will be responsible for paying it when you pick up your vehicle. If your liability has not been determined, or if your deductible is “pending”, you will still be responsible to pay the deductible at the time you pick up your vehicle.
Who do I pay the deductible to?
If your deductible has not been waived, it must be paid to the repair shop at the completion of the repairs.
Can you save me some of my deductible?
No. Your deductible is a contract between you and your insurance company to share the cost of the repairs. We cannot return the vehicle to anything less than its pre-accident condition without breaching our own contract.
What are “betterment charges”?
Betterment charges are determined by your insurance company and are pro-rated based on your vehicle’s mileage. Parts that wear out and need eventual replacement (i.e. tires, batteries and suspension parts) would carry a betterment charge,
if it’s worn out and the insurance company has to replace it. It is your responsibility to pay for betterment charges.
What are “appearance allowances”?
If your vehicle has a small scrape as part of the accident claim, the insurance company may decrease your deductible, in return not repairing the scrape. Scrapes that are not a safety issue may become appearance allowances under certain insurance companies. Please ask your estimator to explain in more detail if necessary.
While your fixing the accident damage, can you fix some other dents too?
Yes we can, but you must pay for these repairs yourself. Shops can be convicted for insurance fraud if they include other damage not related to the accident in the price of the repair.