Frequently Asked Questions
We are here for you.
We know that you probably have a million questions about the aftermath of your vehicle collision. Know that we are here to help and answer as many of those questions as we can. We strive to make this process as easy and as manageable as possible. We are here to help you along this process.
Get the name of the person(s) driving the other vehicle(s) involved, along with their phone number, driver’s license, vehicle license and insurance information. Also try to obtain any witness names and numbers. Note the location, time and date. And, if you have a camera, take pictures.
IMPORTANT: If the person(s) driving the vehicle(s) involved is unwilling to provide this information or if they do not have a driver’s license and insurance, then you have a problem and you should notify the police and your insurance agent immediately.
Contact the shop of your choice and have them set up a tow or appointment to get your vehicle in the shop. If you need alternative transportation and have rental coverage or the other party’s insurance is paying the bill, ask the shop to set up the rental for you.
Contact the Insurance Company responsible and let them know where the vehicle is and/or where it is going and ask for a claim number. If the Insurance Company wants to examine your vehicle at your house or in their claims center, you have the choice of doing this, or you can inform the Insurance Company that you are dropping the vehicle at the shop of your choice and they can see the vehicle there. Remember, you’re free to choose.
Call the shop and give them the claim number. From this point on, the shop will negotiate on your behalf to ensure that your vehicle will be returned to its pre-damage condition.
No. Texas law states your only obligation is to choose the shop of your choice and inform the insurance company where the vehicle is going.
Reputable shops have the kind of facility, equipment, personnel and training to restore your vehicle to pre-loss condition within industry standards. Experts can always find indications of a repair. This doesn’t mean it was not repaired properly, but since shops do not have the same equipment available that the manufacturer’s have, shops cannot replicate the manufacturer’s work exactly. However, your vehicle will be esthetically and structurally equal to its pre-accident condition.
The Insurance Company responsible for your claim must pay for the cost of an equal replacement vehicle or provide you with a replacement vehicle. It is their choice.
The Insurance Company may offer you a dollar amount for your vehicle less the pre-agreed-upon amount of your deductible. If you do not feel this is an adequate amount, you will need to substantiate your claim for a higher dollar amount with independent written evidence showing the worth of a similar vehicle (year, model, mileage, condition and options) in the same market area. The market area may be local or regional depending upon the number of vehicles for sale in the area.
Remember, upon extension of their offer to you, the Insurance Company has fulfilled its obligation and can at that time stop payment for rental car expenses. If your vehicle is totaled, visit your local dealerships or go online and obtain information that substantiates your claim of what you believe your vehicle is worth.
Bring your vehicle to Gibbs Paint & Body. We can negotiate for you to have your vehicle repaired to pre-loss condition. Pay for the difference in the repair bill yourself. Obtain a written statement from the body shop detailing any denied procedures and take your bill to Small Claims Court. You may have to file against the individual who caused the accident. We recommend consulting an attorney for specifics.
By law, an insurance company cannot refuse your request and must negotiate with the shop of your choice. It is in both parties’ best interest to get your vehicle repaired and back to you as quickly as possible, without charging you extra. The Insurance Commissioner does not tolerate delaying the repair through unlawful practices.
No. You can drop the vehicle off at the shop of your choice and they will schedule an insurance adjuster to come out. If you do go to their claims center, accept the estimate and the check they give you. However, do not sign anything that states you accept their check as payment in full. The insurance company realizes the repair shop may call with additional damage costs.
The Insurance Company responsible for paying for your repairs is also responsible for paying the tow bill to the shop of your choice. If the Insurance Company selected a shop and you prefer to go elsewhere, they are still obligated to pay for the additional tow.
If you are insured, check with your insurance provider. Generally speaking, if your vehicle is legal and safe to drive, scheduling to have your vehicle repaired will ensure that you will not incur any of the costs. If you are a third party claimant and your vehicle is legal and safe to drive, scheduling your vehicle for repairs will ensure that you will not incur any rental charges. If your vehicle is unsafe or illegal (it may be ticketed) to drive due to the accident, you are entitled to a replacement vehicle immediately upon being issued a claim number. A reputable shop will be able to take care of all the above to as part of their service and as a convenience to you. You are responsible for insurance coverage you purchase from the rental company.
Make sure that you go over the repairs that were done with your service writer. Any questions or concerns should be addressed to the service writer during pick up.
We actually use the same repair process as most dealerships as well as parts. What most people don’t know is that dealerships often outsource local companies (like ours) to help with the repairs they cant do. What makes us special is that not only do we have the knowledge and experience but we also have great relationships with our customers and the community.
At Gibbs Paint and Body we have the tools and machinery we need in order to get your vehicle to pre-collision condition. If you are curious about our processes or tools check out the questions below.
In a nutshell, it is a process we use to fix small dents and some hail damage without having to repaint your vehicle. You can read more about this process on our Paintless Dent Repair page.
We do what we are capable of doing at the shop but if the damage is extensive we outsource a reputable company to fix that portion of the overall damage.
Structural damage is the equivalent of frame damage. Usually once the frame is damaged the integrity of the vehicle is at risk.
Have more questions?
Don’t hesitate to contact us with any other questions you may have.