Below are some frequently asked questions that we have received. Please feel free to read through to answer some questions that you may have.
Will my auto hail damage claim make my insurance go up?
NO, hail storms are considered a catastrophic event. So the damage to your vehicle is a comprehensive claim, unlike a collision that would raise your personal policy rates. What the insurance companies generally do is increase rates on everyoneʼs policy in the area affected by the storm. You may already have noticed an increase even though you havenʼt had your vehicle repair. Hail damage is considered a Comprehensive claim, and will not make your insurance rates go up. Your insurance company might give you a list of vendors to choose from to get your vehicle ﬁxed. These vendors are under contract with the insurance company and must charge you a deductible. We choose to be an independent vendor so we can waive your deductible using our advertising promotion. As the policy holder you have the right to choose the IndepenDent Auto Service to repair your vehicle. We will work on your behalf with your insurance adjuster to get an accurate estimate on the hail damage on your vehicle.
What if I choose not to get my car fixed?
Most insurance companies are obligated to put an “un-repaired damage” restriction on your policy. This would mean any future claims will be denied until your hail damage is repaired. Also you are in-breach of your contract with your lein holder if your vehicle is not repaired. This lowers the value of your automobile when selling or trade-in. This is especially true for leased automobiles. When you turn in the vehicle after the lease is up, you will be responsible for the cost of repairs at that time. Again the value of that vehicle will be lowered. With the IndepenDent Auto Services, LLC, we will work with you so you will have NO OUT OF POCKET EXPENSE and REPAIR YOUR CAR to its original condition.
Why IndepenDent Auto Services, LLC.?
The insurance companies want you to go to a “hail specialist”, and that is exactly what we are! Our technicians have at least ﬁfteen years experience in a very specialized ﬁeld. The paintless dent process works by placing a special tool behind the dent and massaging it back to its original smooth ﬁnish. Your vehicle will retain its value because the factory paint and clear coat are preserved. What you donʼt want is a body shop to ﬁll the dents with bondo and paint your vehicle or replace parts. Some auto body shops will even skin the roofs (literally replacing the roof), requiring the repairs to go on CarFax, permanently decreasing the value.
Our clients are amazed at the end results from our process using Paintless Dent Repair. Not only are they thrilled with how their car looks, but it was done at no out-of-pocket cost to them. With todayʼs economic demands, every little bit helps. Let our “PDR” service will save you time and money!