Car Insurance Process Explained

The Car Insurance Claims Process Explained

It’s true that many auto insurers offer automatic coverage for new cars. Typically, they will provide the same coverage for the new car as the highest level of coverage you have for another vehicle you own. But not all policies do this, so you should always check your insurance agreement rather than taking automatic coverage for granted. And if you don’t already own a car, you have to buy insurance well before you drive your car off the lot or it won’t be covered. The auto insurance market is plagued by myths and misconceptions, which make it harder for drivers to weigh all the financial factors and cover their cars effectively.  Auto Group Collision, we are here to help our customers with their car insurance claims. The better you understand how to protect and care for your vehicle, the more effectively you can do so, which is why it’s essential for you to have accurate information. This is particularly important when selecting car insurance. The auto insurance market is plagued by myths and misconceptions, which make it harder for drivers to weigh all the financial factors and cover their cars effectively. The following are some of the most common car coverage myths, which you must debunk before you try to select a policy. MINIMUM COVERAGE WILL BE ENOUGH FOR MY CAR INSURANCE? Drivers often assume they only need to get the minimum level of coverage required by law. But such coverage fails to protect you from a whole host of threats to your car. Most standard insurance policies don’t reimburse you if your vehicle is stolen; they also don’t cover damage from fire, floods, hail, tree limbs, or vandalism. All of these problems present a serious threat to both your car and your finances, so getting a comprehensive policy that covers all of them is likely a good investment. Besides not protecting your car from a variety of serious sources of damage, minimum insurance policies fail to cover commercial driving. Thus if you plan to use your car for business purposes, you should purchase an insurance plan that includes commercial coverage. Supplementary business coverage is especially important if you let employees, contractors, or other business personnel use your car. Make sure your policy covers them, and check their driving records on a regular basis. YOUR CREDIT RATING DOESN’T AFFECT YOUR CAR INSURANCE RATES? Most states, including Pennsylvania, allow auto insurers to look at your credit rating when determining your rates. All things being equal, car insurance costs a thousand dollars more per year for someone with poor credit than for someone with excellent credit. Thus if you can improve your credit score, you will achieve quick, tangible savings on auto insurance. THE COLOR OF YOUR CAR AFFECTS THE COST OF CAR INSURANCE, WITH RED CARS BEING THE MOST EXPENSIVE TO COVER? Insurance companies base the cost of your premiums on your age, your driving and credit history, and the vehicle’s make, model, age, engine size, and body type. More expensive cars also cost more to insure, and your premiums may go up if you frequently get into accidents or your vehicle becomes a popular target for thieves. But your choice of paint color has nothing to do with how much you’ll pay. IF I STILL HAVE A LOAN ON MY CAR, MY INSURER WILL PAY IT OFF IF THE VEHICLE IS TOTALED? In the event of a catastrophic accident, most insurance policies will reimburse you for the full market value of your car, which is the amount it was worth when you bought it minus any value it has lost through depreciation. But if you owe more than that on the vehicle, you’ll have to pay off the difference yourself. Say your car’s fair market value is $10,000; if you have an $8,000 loan, you’re covered, but if the loan is $12,000, you will need to pay $2,000. The only exception is if you purchase GAP coverage, which reimburses you for the difference between the car’s fair market value and the loan. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!
If Airbags Deployed, Is My Car Totaled?

If Airbags Deployed, Is My Car Totaled?

Some equate the experience of an airbag deployment with a feeling of being kicked in the face and chest. Airbags are designed to keep you from making contact with the hardest parts of your vehicle, such as the dashboard, steering wheel, windows or doors. But while the force of hitting the airbag may cause an injury to your body such as bruising, abrasions and even broken bones, its presence will save your life and keep you from becoming airborne (paired with your seatbelt of course). Airbags are critical components to all modern cars. They deploy when your car gets into a collision, whether from the front or sides. You probably don’t give much thought to these important safety features, but yet you rely on them to work in the unfortunate event of a car accident. Here’s everything you need to know about air bags. When an airbag goes off, the result to your body can be very painful. The whole crash can be painful, of course, from the broken glass and loud noises to sudden tugs from your seatbelt and then the airbag that blows up in your face. It’s a traumatic thing, to be in a car accident – even a minor one. Air Bags can not be repaired they must be replaced. If the airbag goes off, chances are, your car is totaled. However, whether your car is totaled or not will depend on its value and what kind of insurance policy you have. Suffice to say that in most cases, when cars crash with enough force to trigger the airbags, it’s likely they have suffered significant damage. Making a repair to an airbag or replacing it, or even replacing the dashboard, can cost you a few thousand bucks. While your deployed airbag may smell smoky after a crash, this doesn’t necessarily mean there’s a fire. In fact, the components behind airbags contain small explosives that cause them to deploy quickly, often leaving a smoky smell in the air. The first few minutes after a crash can be very confusing and disorienting for many people. It’s imperative that you free yourself. It can be more difficult to get out of a car after the airbag has gone off. It may be impossible to open the doors or windows, or perhaps your seatbelt has locked into position to keep you from moving out of your seat easily. Whatever the case, try to remain calm and focus on getting out. After a crash, always have a professional mechanic give your car a good once-over. They can fix or replace your airbags, and perform any body repair work that needs to be done on the exterior. Whether the airbags deployed in the crash or not, always have your vehicle, especially the airbags and associated computerized safety features, checked by a professional to ensure they are functioning properly to keep you safe going forward. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!
Auto Insurance Claims Brooklyn NY

How to File Auto Insurance Claims Brooklyn NY

Being in a collision is certainly stressful. Assuming you did not sustain serious injuries, your first thought is likely: oh great, now I have to deal with the insurance company, fill out claims forms and fight for the money I need just to cover repairs. We get it. Filing insurance claims can be torturous, which is why it’s a relief when your auto mechanic can take care of that part for you. If you do find yourself in the aftermath of a collision, follow these steps Call 911 if you or your passengers have suffered an injury, call 911, then wait for emergency responders. Stay put and don’t move. If you are able, move your vehicle to the side of the road or a sidewalk. If you think your car is posing a safety hazard where it has come to rest, and if it’s drivable and safe to do so, pull over to the side of the road or other safe nearby area. You shouldn’t be the one to decide how serious a crash is. You should call the police whether you have gone through a simple fender bender or have been part of a major collision. The officers on the scene will take an accident report and take notes to pass on to your insurance company later. This will help them with the claims process. Approach the driver of the other vehicle and exchange contact and insurance information. Be sure to get their:
  • Name and contact info
  • Insurance company/policy number
  • Driver’s license and license plate number
  • Vehicle make, model and color
  • Specific location at the accident
  • Don’t talk about anything else except these basics, and certainly do not discuss fault. Fault will be
  • determined by the adjuster after they fully inspect both vehicles, and receive all information from
  • both parties as well as any supporting documentation. These documents can include anything from
  • photos of the scene to the police report.
Next, you will want to:
  • Ask the police officers for their names and badge numbers.
  • Find out where to obtain a copy of their accident report to give your insurance company. Most will give you a copy right then and there.
  • Document the accident scene. Take pictures of your vehicle from all angles to show damage. While you’re at it, take a photo of the other driver’s license plate.
  • Talk to witnesses at the scene if there are any, writing down their names and getting their contact information.
If it’s safe to do so and you have time, call your insurance agent while you are still on the scene. They will let you know what you will need to obtain for the claims process, saving you time and hassle from hunting it all down later. They should also be able to tell you what to expect in the claims process and what next steps you should be taking. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!
Air Bags Repaired

Can Air Bags Be Repaired?

Some equate the experience of an airbag deployment with a feeling of being kicked in the face and chest. Airbags are designed to keep you from making contact with the hardest parts of your vehicle, such as the dashboard, steering wheel, windows or doors. But while the force of hitting the airbag may cause an injury to your body such as bruising, abrasions and even broken bones, its presence will save your life and keep you from becoming airborne (paired with your seatbelt of course). Air Bags can not be repaired after deployment and must be replaced with a new air bag module. Airbags are critical components to all modern cars. They deploy when your car gets into a collision, whether from the front or sides. You probably don’t give much thought to these important safety features, but yet you rely on them to work in the unfortunate event of a car accident. Here’s everything you need to know about air bags. When an airbag goes off, the result to your body can be very painful. The whole crash can be painful, of course, from the broken glass and loud noises to sudden tugs from your seatbelt and then the airbag that blows up in your face. It’s a traumatic thing, to be in a car accident – even a minor one. Air Bags can not be repaired they must be replaced. If the airbag goes off, chances are, your car is totaled. However, whether your car is totaled or not will depend on its value and what kind of insurance policy you have. Suffice to say that in most cases, when cars crash with enough force to trigger the airbags, it’s likely they have suffered significant damage. Making a repair to an airbag or replacing it, or even replacing the dashboard, can cost you a few thousand bucks. While your deployed airbag may smell smoky after a crash, this doesn’t necessarily mean there’s a fire. In fact, the components behind airbags contain small explosives that cause them to deploy quickly, often leaving a smoky smell in the air. The first few minutes after a crash can be very confusing and disorienting for many people. It’s imperative that you free yourself. It can be more difficult to get out of a car after the airbag has gone off. It may be impossible to open the doors or windows, or perhaps your seatbelt has locked into position to keep you from moving out of your seat easily. Whatever the case, try to remain calm and focus on getting out. After a crash, always have a professional mechanic give your car a good once-over. They can fix or replace your airbags, and perform any body repair work that needs to be done on the exterior. Whether the airbags deployed in the crash or not, always have your vehicle, especially the airbags and associated computerized safety features, checked by a professional to ensure they are functioning properly to keep you safe going forward. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!
Insurance Claims Process

NYC Car Insurance Claims Process

Being in a collision is certainly stressful. Assuming you did not sustain serious injuries, your first thought is likely: oh great, now I have to deal with the insurance company, fill out claims forms and fight for the money I need just to cover repairs. We get it. Filing insurance claims can be torturous, which is why it’s a relief when your auto mechanic can take care of that part for you. If you do find yourself in the aftermath of a collision, follow these steps Call 911 if you or your passengers have suffered an injury, call 911, then wait for emergency responders. Stay put and don’t move. If you are able, move your vehicle to the side of the road or a sidewalk. If you think your car is posing a safety hazard where it has come to rest, and if it’s drivable and safe to do so, pull over to the side of the road or other safe nearby area. You shouldn’t be the one to decide how serious a crash is. You should call the police whether you have gone through a simple fender bender or have been part of a major collision. The officers on the scene will take an accident report and take notes to pass on to your insurance company later. This will help them with the claims process. Approach the driver of the other vehicle and exchange contact and insurance information. Be sure to get their:
  • Name and contact info
  • Insurance company/policy number
  • Driver’s license and license plate number
  • Vehicle make, model and color
  • Specific location at the accident
  • Don’t talk about anything else except these basics, and certainly do not discuss fault. Fault will be
  • determined by the adjuster after they fully inspect both vehicles, and receive all information from
  • both parties as well as any supporting documentation. These documents can include anything from
  • photos of the scene to the police report.
Next, you will want to:
  • Ask the police officers for their names and badge numbers.
  • Find out where to obtain a copy of their accident report to give your insurance company. Most will give you a copy right then and there.
  • Document the accident scene. Take pictures of your vehicle from all angles to show damage. While you’re at it, take a photo of the other driver’s license plate.
  • Talk to witnesses at the scene if there are any, writing down their names and getting their contact information.
If it’s safe to do so and you have time, call your insurance agent while you are still on the scene. They will let you know what you will need to obtain for the claims process, saving you time and hassle from hunting it all down later. They should also be able to tell you what to expect in the claims process and what next steps you should be taking. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!

Is PDR The Best Dent Repair Solution?

There are a lot of possibilities that your car may get a dent or hail damage. The dents on car’s exterior badly affect its appearance and re-sale value. In order to remove a dent from car's body, there are various methods and one of it is paintless dent removal or paintless dent repair (PDR). Paintless Dent Repair or paintless dent removal (PDR) is a method that is used to remove minor dents from the body of a vehicle. Read its detail here. This method is used to fix different kinds of dings, dents and body creases. The best thing about this method is that it is environmentally-friendly and it restores a car's body to factory-like condition as long as the paint surface is intact. The paintless dent removal service is available in body shop in Brooklyn and it revolves around four main steps that include:
  • Damage Inspection
  • Accessing the dent
  • Deeply observe the dent
  • Slow pressure to fix the dent
Let’s take a deeper look at how does paintless dent removal work in Brooklyn.

Damage Inspection

Damage inspection is the primary step to paintless dent repair process. In this step, the auto technician assesses the dent and its damage. He needs to locate all dents from minor to major and assess their intensity. Once dents’ calculation is done, the work on their removal can be started using PDR technique. Usually the area around the dent is prepared.

Accessing the Dent

At this stage of PDR, you need to safely reach the back side of the dent area. This means you have to cautiously remove car’s tail lights, body panels and other parts that are blocking you to reach the dent. All you need to do is to safely gain entry to the dent.

Deeply Observe the Dent

Getting a deep inspection of the dent area is crucial to collision repair in Brooklyn. The auto specialists use a special light board that provides a better look at the dent. The benefit of using special light board is that you can deeply observe the dent from any angle accessible to you. The special light board creates a shadow of the dent that enables the tech to exactly place tools on the rear of the dent and restore the body to its original condition.

Slow Pressure to Fix the Dent

To work out the dent, apply slow pressure on the affected area. To perform this, special tools are used to cautiously massage the back so it can come to its initial position. Depending on the dent and exterior damage, PDR process can be done with same-day service. The paintless dent repair is not only quick, it is also cost-effective method to remove car dents. It is very efficient method than the ordinary dent repair method in which auto body dents are filled with paint or body filler to paint. It may give the vehicle a brand-new look but it’s not long term and sustainable. On contrary, paintless dent removal is an expert technique that restores the car to it factory condition in time-saving way. Looking for body shop near me or insurance claim assistance? Find the best collision repair in Brooklyn and get amazing results. ________________________________________________________________________________________________

Auto Group Collision – Brooklyn, NY Collision Repair & Auto Body Experts

Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat. Our certified shop will get your vehicle repaired properly. Serving more than 600-700 customers per year, Auto Group Collision is one of the top company’s in the area because of its sterling reputation for providing reliable, fast and accurate accident repair. We also work closely with your insurance company along we can perform maintenance, customization of your automobile and even upgrade its appearance. Call us today at (718) 449-4616 to schedule a FREE ESTIMATE.
Air Bags Replaced

Do Air Bags Need to Be Replaced?

Some equate the experience of an airbag deployment with a feeling of being kicked in the face and chest. Airbags are designed to keep you from making contact with the hardest parts of your vehicle, such as the dashboard, steering wheel, windows or doors. But while the force of hitting the airbag may cause an injury to your body such as bruising, abrasions and even broken bones, its presence will save your life and keep you from becoming airborne (paired with your seatbelt of course). Airbags are critical components to all modern cars. They deploy when your car gets into a collision, whether from the front or sides. You probably don’t give much thought to these important safety features, but yet you rely on them to work in the unfortunate event of a car accident. Here’s everything you need to know about air bags. When an airbag goes off, the result to your body can be very painful. The whole crash can be painful, of course, from the broken glass and loud noises to sudden tugs from your seatbelt and then the airbag that blows up in your face. It’s a traumatic thing, to be in a car accident – even a minor one. Air Bags can not be repaired they must be replaced. If the airbag goes off, chances are, your car is totaled. However, whether your car is totaled or not will depend on its value and what kind of insurance policy you have. Suffice to say that in most cases, when cars crash with enough force to trigger the airbags, it’s likely they have suffered significant damage. Making a repair to an airbag or replacing it, or even replacing the dashboard, can cost you a few thousand bucks. While your deployed airbag may smell smoky after a crash, this doesn’t necessarily mean there’s a fire. In fact, the components behind airbags contain small explosives that cause them to deploy quickly, often leaving a smoky smell in the air. The first few minutes after a crash can be very confusing and disorienting for many people. It’s imperative that you free yourself. It can be more difficult to get out of a car after the airbag has gone off. It may be impossible to open the doors or windows, or perhaps your seatbelt has locked into position to keep you from moving out of your seat easily. Whatever the case, try to remain calm and focus on getting out. After a crash, always have a professional mechanic give your car a good once-over. They can fix or replace your airbags, and perform any body repair work that needs to be done on the exterior. Whether the airbags deployed in the crash or not, always have your vehicle, especially the airbags and associated computerized safety features, checked by a professional to ensure they are functioning properly to keep you safe going forward. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!
airbags

What Happens When Your Air Bags Deploy

Some equate the experience of an airbag deployment with a feeling of being kicked in the face and chest. Airbags are designed to keep you from making contact with the hardest parts of your vehicle, such as the dashboard, steering wheel, windows or doors. But while the force of hitting the airbag may cause an injury to your body such as bruising, abrasions and even broken bones, its presence will save your life and keep you from becoming airborne (paired with your seatbelt of course). Airbags are critical components to all modern cars. They deploy when your car gets into a collision, whether from the front or sides. You probably don’t give much thought to these important safety features, but yet you rely on them to work in the unfortunate event of a car accident. Here’s everything you need to know about air bags. When an airbag goes off, the result to your body can be very painful. The whole crash can be painful, of course, from the broken glass and loud noises to sudden tugs from your seatbelt and then the airbag that blows up in your face. It’s a traumatic thing, to be in a car accident – even a minor one. Air Bags can not be repaired they must be replaced. If the airbag goes off, chances are, your car is totaled. However, whether your car is totaled or not will depend on its value and what kind of insurance policy you have. Suffice to say that in most cases, when cars crash with enough force to trigger the airbags, it’s likely they have suffered significant damage. Making a repair to an airbag or replacing it, or even replacing the dashboard, can cost you a few thousand bucks. While your deployed airbag may smell smoky after a crash, this doesn’t necessarily mean there’s a fire. In fact, the components behind airbags contain small explosives that cause them to deploy quickly, often leaving a smoky smell in the air. The first few minutes after a crash can be very confusing and disorienting for many people. It’s imperative that you free yourself. It can be more difficult to get out of a car after the airbag has gone off. It may be impossible to open the doors or windows, or perhaps your seatbelt has locked into position to keep you from moving out of your seat easily. Whatever the case, try to remain calm and focus on getting out. After a crash, always have a professional mechanic give your car a good once-over. They can fix or replace your airbags, and perform any body repair work that needs to be done on the exterior. Whether the airbags deployed in the crash or not, always have your vehicle, especially the airbags and associated computerized safety features, checked by a professional to ensure they are functioning properly to keep you safe going forward. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!
Insurance Claims Process

How to Deal with the Car Insurance Claims Process

Being in a collision is certainly stressful. Assuming you did not sustain serious injuries, your first thought is likely: oh great, now I have to deal with the insurance company, fill out claims forms and fight for the money I need just to cover repairs. We get it. Filing insurance claims can be torturous, which is why it’s a relief when your auto mechanic can take care of that part for you. If you do find yourself in the aftermath of a collision, follow these steps Call 911 if you or your passengers have suffered an injury, call 911, then wait for emergency responders. Stay put and don’t move. If you are able, move your vehicle to the side of the road or a sidewalk. If you think your car is posing a safety hazard where it has come to rest, and if it’s drivable and safe to do so, pull over to the side of the road or other safe nearby area. You shouldn’t be the one to decide how serious a crash is. You should call the police whether you have gone through a simple fender bender or have been part of a major collision. The officers on the scene will take an accident report and take notes to pass on to your insurance company later. This will help them with the claims process. Approach the driver of the other vehicle and exchange contact and insurance information. Be sure to get their:
  • Name and contact info
  • Insurance company/policy number
  • Driver’s license and license plate number
  • Vehicle make, model and color
  • Specific location at the accident
  • Don’t talk about anything else except these basics, and certainly do not discuss fault. Fault will be
  • determined by the adjuster after they fully inspect both vehicles, and receive all information from
  • both parties as well as any supporting documentation. These documents can include anything from
  • photos of the scene to the police report.
Next, you will want to:
  • Ask the police officers for their names and badge numbers.
  • Find out where to obtain a copy of their accident report to give your insurance company. Most will give you a copy right then and there.
  • Document the accident scene. Take pictures of your vehicle from all angles to show damage. While you’re at it, take a photo of the other driver’s license plate.
  • Talk to witnesses at the scene if there are any, writing down their names and getting their contact information.
If it’s safe to do so and you have time, call your insurance agent while you are still on the scene. They will let you know what you will need to obtain for the claims process, saving you time and hassle from hunting it all down later. They should also be able to tell you what to expect in the claims process and what next steps you should be taking. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!
Insurance Photo Estimates

Does Insurance Use Collision Photo Estimates

Many of the big auto insurance companies give their policy holders the option to obtain a fast estimate for damage by allowing them to take photos and video on their phones and upload them on the company’s app. Sounds great, right? Saves you time, right? Well, maybe, but in the end, it could be doing you more harm than good. It’s not a good idea to bypass a physical inspection of the damage by your mechanic. In addition to potentially driving an unsafe vehicle, you could find yourself with a check from the insurance company that comes nowhere close to covering the full cost of all the repairs. This means you have to come up with the difference. In many cases, if you use the photo upload feature, you forfeit your right to choose your own inspector and mechanic. In many cases, no. Damage to your car could be far worse than you can see with the naked eye. Plus, you may not know the best angles to take photos from, compromising the ability of the adjuster receiving the photos to notice the real damage. An inspector who comes out to take their own photos will know what to look for and will know the best pictures to take. Because vehicle damage can be much worse on the inside than it looks on the outside, the only way to ensure your safety is to bring your car to a trusted auto body shop for an in-person inspection. You may see a minor dent and think nothing of it. But your mechanic may find unseen damage underneath that could compromise adjacent areas. Don’t skip this step, as you could be putting yourself and passengers at risk. On one hand, it’s good that insurance companies are trying to make the claims process easier and quicker for their customers. However, if an inaccurate estimate is the result, the process is flawed and it’s just not worth the convenience. Lacking a professional inspection, photos alone can’t provide a high level of accuracy when it comes to assessing the totality of vehicle damage. If you find that your insurance estimate is too low because you got a higher one from an actual mechanic to fix the damage, you do have some recourse. You could file a supplemental claim so you can get reimbursed for your out of pocket costs; however, you will still be responsible for paying the difference up-front. That means you have to come up with the cash (cash you may not have at the moment) to pay the mechanic so you can start driving again. All is not lost if you have already used your insurance company’s photo estimate feature to get reimbursed for auto damage. Provided your insurance company agrees to cover the extra repair costs, you can get the money back. Notify your insurance company that you wish to submit a supplemental claim. Do this in writing or by certified mail. Ask your provider what information you have to provide so that the process can be quicker. Keep all paperwork and receipts from repairs on you, and make copies. Just be aware that sometimes, issues related to a collision don’t reveal themselves until weeks after the initial accident and repairs. If you can prove the newly-revealed damages stemmed from the original accident, your insurance company may pay out a supplemental claim. Auto Group Collision in Brooklyn, NY is Here to Assist with Your Car Insurance Claims Since 2004 Auto Group Collision has been providing the people of Brooklyn and surrounding areas with the highest quality of collision repair and auto body repair service. We established a trusted collision center that takes customer from the initial estimate to the completion of repair to getting you back into your car and in the driver’s seat while working closely with your insurance company. Dealing with an automobile collision is traumatic enough without having to worry about filing insurance claims.  We know that each insurance company has its own procedures, and we’re here to assist you with the insurance company transactions.  We provide the information they require regarding the collision repairs, as we guide you through the entire process of dealing with all the paperwork. We accept all insurance estimates and work with all insurance companies.  Auto Body Collision wants you to be a satisfied policy holder, so we’ve established relationships with all the region’s major insurance companies.  Working directly with your insurance company, we’re able to start repairs immediately while also often helping speed up the insurance adjuster’s inspection and approval. As soon as the work is approved, the parts are ordered. To expedite the work, when parts are received they are put into a bin, which only holds parts for one particular job. This type of care and orderliness insures your vehicle is repaired using only authorized parts. Auto Body Collision works with your insurance company, estimating damage, handling your claim, and negotiating with the insurance company to make sure your repairs are done properly and swiftly. Has your car been in a collision or minor fender bender? If your vehicle has received body, frame or paint damage, call Auto Group Collision at (718) 449-4616 and see how we can help! Contact us now to for a FREE ESTIMATE!