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Insurance, Handled

We deal with your insurance so you don't have to

Yes — in New York, you have the legal right to choose your own repair shop, even if your insurer suggests a "preferred" one. From the first phone call to the final supplement, we manage the claim directly with your adjuster so the repair scope reflects what your car actually needs, not what's fastest to approve.

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How It Works

From accident to your car back, handled end to end

  1. 01

    Report & Call Us

    Document the scene if it's safe to do so, get towed if needed, and call us before or right after you file with your insurer — the earlier we're involved, the smoother the claim goes.

  2. 02

    Choose Your Own Shop

    New York law gives you the right to select any licensed repair shop, regardless of which shop your insurer's 'preferred network' suggests. You are never required to use their recommendation.

  3. 03

    We Contact the Adjuster

    We send photos, a detailed written estimate, and negotiate the repair scope directly with your adjuster — including OEM parts and required ADAS recalibration, which insurers sometimes try to cut.

  4. 04

    We Handle Supplements

    If hidden damage turns up once a panel is opened, we file the supplemental claim paperwork with your adjuster ourselves. You don't have to track down additional approvals.

  5. 05

    You Get Your Car Back

    Once the repair is complete and inspected, we hand you documentation of everything done — parts used, measurements, and recalibration — for your records.

Insurance Questions

Everything you need to know

Yes — New York state law guarantees your right to choose any licensed repair shop for an insurance claim, regardless of which shop your insurance company recommends. Insurers are required to disclose this right, and steering you toward a 'preferred' shop against your wishes is not allowed.
No — a preferred or direct repair shop is a business relationship between the shop and the insurer, not a requirement placed on you as the policyholder. You can choose us instead, and we'll work directly with your insurance company on your behalf.
In many cases yes, especially when OEM parts are necessary to properly restore safety systems, structural integrity, or paint match — we negotiate directly with your adjuster to make the case for genuine parts rather than generic aftermarket substitutes.
A supplement is an additional claim filed when hidden damage is discovered once a panel is removed or a repair is underway — this is common on collision repairs where the full extent of damage isn't visible until the car is disassembled. We handle the supplement paperwork with your adjuster directly so you don't have to manage it.
No — New York does not require multiple estimates before repair, though your insurer may request one for their own file. We provide a detailed written estimate that you or your insurer can use for the claim.
No — federal law (the Magnuson-Moss Warranty Act) protects your right to use an independent repair shop without voiding your manufacturer's warranty, as long as OEM-spec parts and procedures are used, which is exactly how we operate.
This is common, especially on luxury and exotic vehicles where insurers sometimes underestimate labor time or parts cost — we write our own detailed estimate and negotiate directly with the adjuster to close that gap rather than cutting corners on your repair.
Many insurance policies include rental car coverage during a covered repair, depending on your specific policy terms — we can help you understand what your policy includes and coordinate the timing with your adjuster.
Filing through your own insurance (first-party) is typically faster since you have a direct contractual relationship with your insurer, while filing through the at-fault driver's insurance (third-party) can take longer because that insurer has less incentive to move quickly. We can work with either, and will advise which route makes sense for your situation.
From initial claim filing to getting your car back typically runs 1-3 weeks depending on adjuster response time, parts availability, and repair complexity — we give you a specific timeline once the estimate is written and the claim is moving.
Yes — we deal directly with adjusters at every insurance company, not just a shortlist of 'preferred' partners. Whoever you're insured with, we handle the calls, the estimate, and the negotiation from the first report to the day you get your car back.

Let us handle the adjuster

Estimates within 2 hours, 7 days a week. Call now, or text us photos of the damage and we'll take it from there.

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