Insurance

Which is more nerve-racking, being involved in an automobile accident or dealing with insurance companies? For many folks, that’s a toss-up.

Let SheerMetal help you deal with both issues.* Bring in your damaged vehicle today or call us to have it towed in. We’ll assess your repair needs and then we’ll contact an appraiser and your insurance company.

We work with all major carriers and accept all types of insurance.

Our customer service specialists will provide you with a low-cost rental so you can stay on the go while we get your vehicle back to its previous condition . [Sometimes a rental car is available under your policy.]

As you complete paperwork and other “drop-off” related items, we’ll call a nearby Enterprise branch and set up a rental car just for you. A representative will pick you up and take you to your rental car. When your vehicle is ready for pickup, you can simply drop off the rental vehicle at our location and get back on the road.

In the end, if you decide to pay out-of-pocket instead, we’ll work with you and will provide an estimate you’ll be pleased with.

Either way, you’ll drive away in a vehicle that looks and feels the same—if not better—than the one you arrived in.

If I was in an accident, what may I be required to pay? You will only be responsible for a deductible, which is similar to a co-pay expected when you visit a doctor. Typical deductibles can range from $250 to $1,000, depending on how high your monthly payments are.

Let us talk with your insurance provider to determine the cost based upon the scope of the work. We will negotiate on your behalf to make sure that all needed repairs are included in your claim. If you would rather not pass the claim through your insurance because it would cost you more to do so, we’ll provide an estimate.

*Just so you know, Texas law states that you have a right to choose your own licensed collision specialist and you DO NOT have to use any of the ones an insurance company suggests. In addition, you are not required to collect multiple estimates.

The Article 5.07-1 of the Texas Insurance Code provides more information about insurance in Texas .

Here are some items to consider before repairing your vehicle:

Don’t take a chance driving a wrecked vehicle.

1. Know your insurance policy.

2. You have the right to have your vehicle towed to and repaired at the facility of your choice. No insurance company can require that you use a certain repair facility. Even if the party at fault is paying for your repair, you have the same right to a repair facility of your choice and a quality repair. 

3. You are not required by any law to obtain more than one estimate.

4. Choose a highly recommended repair center.

5. There may be hidden damage that will increase the estimate once the car is taken apart.

6. Beware of any facility that agrees to waive your deductible. They are defrauding you and your insurance company by performing sub-standard repairs. 

7. If your vehicle is leased, read your lease agreement carefully; it may contain information that you need to consider when selecting a repair shop.

Questions to ask us and any other repair center:

Do you only use original manufacturers replacement parts (OEMs)?

1. Do you offer a lifetime repair warranty?

2. What is your availability in case I want to check on the status of my repair?

SheerMetal   •    903 J Place  Plano TX  75074    •    Phone: (972)422-1234    •    Fax: (972)422-2170   •    info@sheermetal.com

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