FREQUENTLY ASKED QUESTIONS
JOHNSON AUTO BODY
A: Yes - We have a good working relationship with all reputable insurance companies to ensure accurate claims processing and a quick, efficient repair.
Q. What if the repair shop finds more damage during the repair process than the insurance company initially paid for?
A: Insurance companies realize that there may be hidden damage or parts price differences that will not be discovered until the repair is in progress and the tear down is complete. At that point we will notify the insurance company that there is additional damage that was not seen during the initial inspection. They have the right to verify and approve any additional damage before we proceed with the repair!
A: No - Not unless a deductible or betterment applies. By signing and dating a Direction of Pay form you have given Johnson Auto body permission to negotiate the claim in your behalf and the insurance company can pay us directly for this claim.
A: Betterment is applied to parts that are considered wear items such as batteries, tires, wheel bearings, convertible tops, suspension parts, etc. Not all insurance companies charge for betterment! Call your insurance representative or review the declaration page to get the facts.
A: No - Deductibles usually apply to collision losses and comprehensive losses. Many policies have 100% glass replacement. Read your insurance policy or call your representative to get the details. If someone else hit you and 100% liability has been accepted, a deductible does not usually apply. We have had some claims where insurance companies accept partial liability. In those cases you will be expected to pay a portion. In those cases you have the option to use your own collision carrier to move the repair process along!
A: Yes - If the other party is at fault and liability is accepted, it makes sense to use the other party's insurance company. However, if there are any discrepancies or disputes that will cause delays, you should rethink your decision. How long do you want to wait before you repair your vehicle? If you have the option to speed up the repair process by using your collision carrier then do it. That is why you pay insurance premiums. In time, your insurance company will settle the liability issues with the other company. If that happens your insurance company will be reimbursed by the other insurance company for their expenses. In most cases your insurance company will reimburse you for the deductible and rental expenses. Talk to your insurance representative.
A: Yes - If you are filing a collision or comprehensive claim, you have an agreement with your insurance carrier. That policy is a contract between you and your insurance carrier and it says that you are responsible for the first portion of the repairs (your deductible) Note - Depreciation on mechanical wear items may apply also. Ask your insurance representative if depreciation applies and what your deductible amount is! Your insurance company is responsible for the balance after the deductible is paid.
There is a legitimate way to reduce your cost.
Example: You have a scratch on an alloy wheel and you are willing to live with it. We can ask your insurance company if they will give you an "Appearance Allowance". If the negotiated appearance allowance amount is $100 and you have a $500 deductible you will owe $400 when the repair is complete!
These are questions most often asked by our customers. I am sure that you may have more questions.