of Lynchburg, Virginia
Steele’s Body Shop is a family owned body shop with over 35 years in the auto body repair industry. At Steele’s Body Shop, we provide quality bodywork and painting with all work and service guaranteed. We are a full service body shop and, with our extensive experience, we can get you back on the road quickly. We handle all body repairs from wrecks, fender benders and total collision repair with our specialty being in insurance claims.
When you are faced with having to file an insurance claim after an accident, don’t panic. You will need to follow certain steps to ensure you get your damages taken care of. When you are handling property damage of your vehicle there are five simple steps:
When calling the insurance company give them plenty of details about your accident and your vehicle, including whose fault it may be. Determining who is at fault is determining who pays. Normally the at-fault driver’s insurance company is who pays. But they can only pay out the property damage limits of the policy. It will always help in protecting yourself if you carry uninsured motorist and underinsured motorist coverage in the case it’s not your fault and the at-fault driver is not fully covered.
When you meet or talk with a representative of your insurance company they are going to explain your coverage then let you know if you can use your own repair shop or one of their choice. Once the damages have been inspected and the repair estimates have been made, it's time for the insurance company to cover the car repair costs. Typically, you have two different options for covering repair costs, and they might depend on the insurance company's policies.
1. Pay for the repairs yourself and seek reimbursement from the insurance company later. If you choose this option, make sure the insurance company and the auto repair shop agree on the total cost of repairs, or you could end up paying more out-of-pocket expenses than the insurance company will cover.
2. Let the insurance company send a check to the auto repair shop after the price is agreed on.
Even when you are working with your own insurance company, things do not always go smoothly. There are a few options to resolve your problem if you need to dispute a vehicle insurance claim. These include the choice of arbitration, mediation, or small claims court.
As you start the process of filing a claim, remember one thing: Steele’s Body Shop. We want your experience to be as stress free as possible. We will work with you and your insurance company to get you back on the road as soon as possible. Here at Steele’s Body Shop, we are quick, reliable and honest. We work for you. Make us your second call, after the insurance company, at (434) 239-5587.