Danielle Isabelle No Comments

Auto Hail Repair Insurance Claims: What to Know BEFORE the Storm!

Hail season is upon us and I hear its going to be bigger than ever. But are your prepared? Quality One Dent Inc. has been in business for over 22 years. In those 22 years, we have learned a few things about Auto Hail Repair claims specifically, that we thought you should take into consideration when living in a “Hail State”. It just may save you some frustration in trying to understand the “ins & outs” of the world of Insurance while making sure you have the coverage you need to get you back on the road.

  1. Comprehensive Coverage Having Comprehensive Coverage on your vehicles ensures that any damages sustained in a weather related storm will be covered. Filing a claim WILL NOT raise your deductible. Why? Because it was an act of weather and is a “not at fault” accident. This is written in your policy.
  2. Lower your Deductible. To save money on yearly premiums, people will increase the amount of their deductible. However, they forget to lower it back to a reasonable amount BEFORE hail season (usually April through October here in Colorado) . Lowering your deductible before hail season will save you hundreds of “out of pocket” dollars should your car sustain any damages. But for general purposes, you may not want to tell them why your lowering it.
  3. Rental Car Coverage. If you don’t have a spare vehicle to drive while your car is in the shop for repairs, make sure you add rental car coverage to your policy. Most insurance companies will cover you for an economy car. If you prefer an upgrade or would need a larger vehicle, make sure you mention it to your provider so that they can add that to your policy.
  4. OEM Parts Coverage (Original Equipment Manufacturer). Some insurance companies & some policies will only replace damaged parts with aftermarket or refurbished parts. This will save your insurance company money but will not offer you any manufacturer warranties that come along with OEM parts. So verify with your provider what your covered for. Also, if you have a clear protectant film on your vehicle, make sure they will cover that if damaged in a storm. Every Insurance company is different and could cost you a couple hundred dollars out of pocket to get replaced.
  5. Insurance Steering. By Law, you can take your vehicle in for repair to which ever body shop YOU choose. Some insurance companies almost insist on you taking it to their “Preferred Repair Facility” or “Direct Repair” under the disguise of offering lifetime warranties on the repair. First, any reputable auto body shop will offer a warranty on their repairs. They’d be stupid not to. Secondly, Preferred Repair Facilities are under contract with your insurance provider. Which means, they have agreed to perform regulated repairs. Some say body shops have to cut corners to get the repair done, in a particular time frame, using (often times) aftermarket parts. In turn, the insurance company will feed the body shop referrals and work steered towards them. Also, if you take your car to a Preferred Repair Facility, YOU HAVE TO PAY YOUR DEDUCTIBLE. That is a part of the agreement they have with your carrier. Whereas non-contracted shops can offer deductible assistance or choose to offer “No Deductibles”.
  6. Don’t wait to get your auto hail damage fixed. If you wait too long and it gets hit again with hail, the damage may become so severe, it cannot be fixed. Insurance companies will only pay up  wholesale replacement value of the car. Severe damage may total your vehicle. Often times, this leads policy holders without enough money to pay off their existing loan or enough money to purchase a replacement vehicle.
  7. DONT CASH OUT!  If you accept the insurance money and “cash out” and get hit with hail again, they will not cover subsequent damage if you didn’t fix your car last time. Then you’re really left with a mess of a car.
  8. Never, EVER Take an Appearance Allowance . This is another way insurance companies save money. They will offer you what is called an “appearance allowance”. Basically, they will give you money for not having to pay to replace parts of your vehicle (like moldings or wing windows). They will present it as a way for you to save money “off your deductible”. Which is great if you can’t afford  your deductible. But, the money they offer you is always less than the cost of the replacement part itself. Even an aftermarket replacement part not to mention the labor to have the part replaced. Anything pertaining to windows is often a skilled tradesmen to have part replaced.
  9. DONT EVER TURN IN A LEASED VEHICLE WITH HAIL DAMAGE. If you didn’t take the time to protect their investment while you leased their vehicle, why wouldn’t they come after you in some way to recoup the cost of the repair? You ding them, they’ll ding you.
  10. STAY LOCAL. While there is nothing wrong with most of these “pop up” shops that come in right after a storm, they are hard pressed to provide repair warranties if they are not local. Not to mention, local body shops really appreciate your business and keeps our economy strong. Building a relationship with a reputable body shop will give you a sense of peace if you’re so unfortunate enough to be struck again. And, there’s nothing better than loyalty discounts.

If you have any questions, comments or concerns please contact us.  We’d love to hear from you and could create a reason for additional info to be posted here.


Danielle Isabelle No Comments

Don’t Let your Hail Damaged Car Cost You!

Last May’s hail storm devastated the Denver Metro area. People are still trying to recover. Roofers can be heard on roofs with their nail guns, auto body shops are backed up for months and many dent companies are not equipped to handle the severity of the damage causing them to ship cars off to some remote body shop. We get calls all the time asking what will happen if they get hit again before they get their cars repaired. This is a very good question. Turns out, if you wait any longer, it could cost you Big Bucks! The Department of Regulatory Agencies Division of Insurance has some good information to avoid costly oversignts.

A pressing question for us, how we can meet our customers needs? Well, last year we implemented a new digital customer service communication system that provides regular updates to our customers during the repair process. It also gives our customers an opportunity to share their ideas and opinions with us after every repair. We shored up our production processes to ensure that we get the repairs done within the promised timelines without sacrificing quality. So the answer to our question regarding this last hail storm was simple. First, educate the customer so they are aware of the potential impact it will have on them if they do not get their cars repaired. Secondly, we are currently in the process of moving to a much larger, nearby location. Our new address is 3701 S. Inca St. Englewood, CO 80110. Just 1 block north of the Englewood Post Office. This facility will house all the cars in our possession so in the event of another hailstorm, our customers can rest easy. Not to mention, we do all of our own paint and body work here at this same location. You’ll never have to worry where your car actually is? Probably one of the biggest improvements we made is in the our paint area. We’ve added a digital paint mixing system for flawless color matching, hi-tech spray guns that leave a glass like finish and a state of the art mobile paint prep and finishing system. This all-inclusive system means working smarter not harder. Saving time and improving turn around times. It not only saves our company money, but it allows us the opportunity to offer better discounts to our customers to help cover the cost of repairs. With our experience and expertise, there is nothing we cannot fix in-house. In fact, right now, we are offering deductible assistance & up to $400 cash back to our customers for letting us fix their hail damaged vehicle. We also have our own fleet of rental cars to help you out. Call now for details and get in BEFORE the storm hits!

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We are Seeing GREEN!

Operation: GOING GREEN…

These days, more and more households are embracing environmentally friendly practices. But we all have to do our part recycling, buying energy efficient vehicles, using environmentally friendly products and using energy and water more efficiently.

Business are going green as well. Quality One Dent Inc. realizes it’s not just good for the environment, it’s good for our bottom line AND something we can all be proud of. Not just in terms of profits, but as an excellent business model that encapsulates the value of being environmentally conscious and good  stewards of our planet.

RECYCLE: While we have the technology to repair plastic fascias (bumper skins) with the use of a plasti-weld technique, some bumpers are too severely damaged to repair. So we have joined a partnership program with Mopar with the purpose of collecting and returning damaged front and rear fascia cores to Mopar for environmentally responsible recycling. Since fascia covers are plastic, returning them for shredding and reprocessing to create new O.E. quality part makes the most sense. And just for your knowledge, in the first rear of implementation, Mopar recycled over 307,000 fascias. That means that over 2,015,200 lbs of fascia material was kept out of landfills. That is impressive!

Further, some parts just need to be replaced. So we recycle all replaced metal panels at our local recycling facility. Recycling everyday household products in general is a no brainer.

NO MORE PAPER: What customer likes to fill out forms? What employee wants to file those forms? Our new software system not only replaced the need for paper, we have significantly reduced the time it takes a customer to check in and drop off their vehicle,  provides periodic customer updates during the repair process and has improved our repair process times dramatically. We are more efficient with less hassle and time. Lean mean operating machine!

SEE THE LIGHT: We outfitted our offices and shop area with energy efficient lighting. We utilized discounts offered by our utility company and received killer deals through our local home improvement stores. Even our street sign was outfitted with LED lights. You can see us a mile away.

CUSTOMER APPRECIATION: Bottom line, we wouldn’t be here if it weren’t for our wonderful customers! We make certain that they have a say in how we are doing or how we can improve. With electronic means of satisfaction/improvement surveys, our customer comments are taken very seriously (notice I mentioned “electronically”).  We had one customer comment on our street sign. It was an undertaking but Wow, much needed improvement. So Thank you. Keep the comments coming.

“The real voyage of discovery consists not in seeking new landscapes, but in having new eyes”

-Marcel Proust



afterfivemedia 1 Comment

Louisiana Body Shop’s Claim Against Insurance Industry Stalls

Dec. 30, 2016—A lawsuit alleging that several insurance companies are pressuring auto body and repair shops to use substandard parts remains in stasis, according to a louisianarecord.com article. The case Parker Auto Body et al v. State Farm et al has stalled in the 11th Circuit Court.
In the case, the operator of Parker Auto Body in West Monroe, La. is suing State Farm Insurance and more than 50 other automotive insurance providers, alleging that they have joined together to leverage their collective market power and exert control over a large portion of the collision-repair industry. That includes fixing the cost of labor rates, controlling the cost of replacement parts, and forcing shops to use inferior or even dangerous replacement parts.
Additionally, the claim alleges the defendants are guilty of boycotting shops that are unwilling to comply with either their decision to control prices or their demands to use inferior and improper parts, and interfering with the plaintiff’s current and prospective business relations by intentionally misrepresenting and making knowingly false statements regarding the quality and reputation of the business.
“It’s an unfair practice and we think vehicles should be repaired the way the manufacturer says they should be,” Matt Parker, the owner of Parker Auto Body, told the louisianarecord.com. “Every time you want to represent the consumer, the insurance company wants you to do things the cheapest way possible and the end result is not safe.”
Currently, Parker’s lawsuit remains in stasis, but the shop owner said there is still a plan to continue pursuing the claim.