Common Misconceptions About Collision Repair Costs and Insurance

When it comes to collision repair, misunderstandings about costs and insurance coverage are all too common. These misconceptions can leave drivers feeling confused, frustrated, or even overcharged. At Elevated Auto Body, we’re here to set the record straight and provide clarity on what to expect when it comes to repairing your vehicle after an accident.

1. Misconception: Insurance Covers All Repair Costs

While insurance can cover a significant portion of repair expenses, it rarely covers 100% of the costs. Deductibles, coverage limits, and exclusions often mean out-of-pocket expenses for vehicle owners. Additionally, some insurance policies only cover repairs up to the car’s market value, which may not align with the actual cost of restoring your vehicle to its pre-accident condition.

Tip: Always review your policy details and ask your insurance agent about what is covered and what isn’t before filing a claim.

2. Misconception: You Must Use the Repair Shop Recommended by Your Insurance Company

It’s a common belief that you’re required to take your vehicle to a shop within your insurance company’s network, but that’s not true. By law, you have the right to choose your repair shop.

Insurance-recommended shops may offer conveniences, but they don’t always provide the level of service, quality, or attention to detail you deserve. At Elevated Auto Body, we work with all insurance companies while prioritizing your needs and ensuring top-quality repairs.

3. Misconception: Cheaper Repairs Are Just as Good

It can be tempting to go with the lowest estimate, but lower costs often mean corners are being cut. Shops offering rock-bottom prices may use aftermarket or subpar parts, skip important steps, or fail to ensure your vehicle’s safety features are fully restored.

Tip: Always ask about the quality of parts being used and ensure your shop is transparent about its process. Repairs done right the first time save money—and stress—in the long run.

4. Misconception: All Damage Is Visible

Not all collision damage is visible to the naked eye. Internal damage, like misaligned frames or compromised safety systems, may not show on the surface but can significantly impact your car's performance and safety.

Tip: A thorough inspection by a trusted auto body shop ensures all damage, visible and hidden, is identified and repaired correctly.

5. Misconception: Repairs Will Lower My Car’s Resale Value

When done correctly, collision repairs shouldn’t drastically impact your car’s resale value. High-quality repairs restore your vehicle’s appearance and performance to pre-accident condition, giving potential buyers confidence in the car’s reliability.

Tip: Always request detailed documentation of repairs, including parts and processes used, to provide transparency for future buyers.

Elevated Auto Body: Clarity, Quality, Confidence

At Elevated Auto Body, we believe in providing transparent information about repair costs and insurance coverage. Understanding your options and rights is key to navigating the collision repair process with confidence.

If you have questions about repairs or need an estimate, reach out to us today. We’re here to provide expert advice and service you can trust.