Lynn Smith Collision Repair and Auto body Shop
When you get in an accident,
what should you do? The first steps are easy: move your car to the
side of the road, make sure everyone is okay, call 911, take pictures
of the vehicles, exchange information with the other party and call
your insurance company. But what do you do when the insurance company
If you've been involved in a collision that may
result in a claim, contact your insurance representative as soon
as possible. You must notify your insurer as soon as possible (some
policies specify within seven days) about any accident involving
the automobile that must, by law, be reported to police; or for
which you intend to make a claim under the policy.
state that a written declaration ("proof of loss") must be made
within 90 days of the accident. If you don't make your claim within
this time, your insurance company may not be legally bound to honor
your claim. In practice, however, most companies will honor a claim
made within one year if there is a reasonable explanation of the
If you are making a claim against another driver, you should
notify him or her as quickly as possible. It's also a good idea
to notify the other driver's insurance company of the claim yourself;
don't assume that the other driver has done so.
In the unlikely event that you intend to sue your insurer, check
your contract for any time limits that may apply.
Preventing further loss
If you are involved
in a collision, you are responsible for protecting your vehicle
from further loss or damage. The insurer, however, will pay for
the damage if you have purchased Collision or All Perils coverage.
You must not order repairs, other than those needed for protection
of the vehicle from further loss or damage, until the insurer has
consented or has had a reasonable amount of time to inspect the
You cannot simply abandon a wrecked vehicle to the insurer without
the insurer's consent. However, when your insurer has replaced or
paid for a wrecked vehicle, the wreck or whatever is left of it
(salvage) belongs to the insurer.
You must not voluntarily assume liability (responsibility) for
any accident repair or settle any claim, except at your own
When you don't have Collision Repair coverage
If the accident is the other driver's fault, you could claim
payment of your damages from the at-fault driver. If it was your
fault, you will be personally responsible for your damages.
Drivers who do not carry car insurance as they are required by
law to do cannot sue another driver to claim for reimbursement for
damage to their cars.
Repairing the Collision Damage
process on your vehicle can be difficult and confusing because in
most cases, it is not explained very well. The following information
should provide you with the knowledge to understand the body shop
and repair process.
Most auto body shops are a direct repair facility
or a preferred shop for insurance companies. This simply means that
the insurance company stands behind and guarantees the repairs.
If the repairs were not done correctly or did not meet repair specifications,
they would have to do the repairs again. If you choose an alternative
repair shop and the insurance company already paid for the repairs
once, any issues regarding the repairs, quality and workmanship
would have to be resolved between you and that shop. The auto body
shop you choose is 100% your choice.
The collision repair shop will not begin repairs without an approved
estimate from the assigned Appraiser as this is what would be considered
the authorized repairs. This excludes Direct Repair Facilities and
Preferred shops. All required repairs are determined by the
auto body shop and The Appraiser.
Most shops warranty the parts and labor for 5 or more years and
some will offer a lifetime warranty.
The repair shop will usually assist you in getting into a rental
car. This is not financially but only physically facilitating the
process. Lynn Smith Collision Repair Center offers
free loan cars.
At Lynn Smith Collision Center, we will assist you to ensure
you are getting the quality repairs in a timely manner.
Lynn Smith Collision
8904 S. Freeway
Fort Worth, TX 76140
Fax: (817) 615-4883