Collision Repair FAQ Schaumburg, IL

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1. What is insurance steering?

For purposes of this website "Steering" is defined as the practice of insurance companies directing First Party Insureds and/or Third Party Claimants to or away from specific repair facilities or providers.

It should first be noted that such a practice, now pervasive throughout the insurance industry, is in direct violation of the 1963 Federal Consent Decree. That Consent Decree resolved a suit brought against the insurance industry by then US Attorney General Robert F. Kennedy.

That suit alleged a conspiracy had existed among 235 different insurance companies to artificially suppress insurance claims and defraud consumers. Steering was one of the elements of the alleged conspiracy.

2. What are your hours of operation?

Mon - Fri: 6:00 am - 6:00 pm
Weekends: Closed

3. Will my insurance company pay for a rental?

Yes, if you have rental coverage. Also check with your agent or insurance company to see how much of the rental is covered; some policies pay the full amount, some will only pay a percentage. If the claim is a liability claim (the accident was not your fault), the full amount will be covered.

4. How can I get a rental car?

If you need a rental car, we can help you make the necessary arrangements. Click HERE to find out more about our rental car services.

5. How will I know when my car is done?

You will be notified by phone when your vehicle is ready to be picked up. Feel free to call or e-mail your advisor during the repair process if you have questions or concerns.

6. Is there a warranty on the repairs to my vehicle?

Yes. We guarantee all of our repairs with a written Limited Lifetime Warranty.

7. Who do I pay my deductible to?

It will be your responsibility to pay America's Auto Body when you pick up your vehicle.

8. When can I wash my vehicle?

You can wash the vehicle immediately. Wash the vehicle by hand with cool water and a very mild car wash solution using a soft cloth, sponge, or mitt.

  • Always use clean fresh water.
  • Wash your vehicle in the shade.
  • Do not use a commercial brush car wash. Stiff brushes or sponges could mar the finish and damage the surface.

9. When can I wax my vehicle?

Do not wax or polish the vehicle in the first 90 days. This will allow the finish to cure completely. After the first 90 days keep a coat of polish or wax on the vehicle. This will help keep your finish looking new.

10. Can the shop help bury my deductible?

No. When you purchased your insurance policy, you signed a contract saying you will pay the first amount of the claim up to your deductible. Repairers should not be asked to hide the deductible. That practice would constitute fraud by both the shop and consumer. The penalties for insurance fraud are severe. If a shop offers to save your deductible, they are absorbing that at your cost. They are not doing the said repairs in order to make up for your deductible. This could lead to unsafe and unsatisfactory repairs which will ultimately cost you at some point.

11. Do I need more than one estimate?

No, it is up to you to decide how many estimates you would like and if you want to discuss the repairs with more than one shop. If you have selected a shop, have your insurance company deal directly with them.

12. Can I have my vehicle repaired at the shop of my choice?

Yes, it is your responsibility, and your right, to choose who will repair your vehicle.

13. What is subrogation?

Subrogation is the process by which your insurance company pays for the repairs to your vehicle, and is obligated to collect from another insurer or party. Your collision coverage will require you to pay your deductible, which may be refunded once the other party pays.

14. The insurance company says my vehicle is a total loss. What do they mean?

The cost of repairs plus the value of the vehicle in damaged condition (salvage value) - is greater than the actual cash value (ACV) of the vehicle prior to the accident.

15. How is the actual cash value determined?

The insurance company will assign an appraiser to inspect the vehicle to determine its condition prior to the accident, or in some instances allow the repairer to make the determination. They may use a vehicle evaluation service or the newspaper to determine pre-accident value. The owner should also determine the value independently.

16. Is the ACV Negotiable?

Sometimes. If you feel the ACV offered by the insurance company is too low, then you are obligated to prove this either through documented receipts of vehicle enhancement or written statements by qualified experts to determine the proper value.

17. What will happen to the vehicle after it is totaled?

The insurance company will sell it to highest bidder, who will either dismantle for parts or resell it after repairing it.

18. What if I want to keep my vehicle after it is totaled?

You have the right to retain ownership of the vehicle, but the amount of the settlement may be reduced by the salvage value.

19. Recommendations and precautions for your newly painted vehicle.

  • Do not "dry wipe" your vehicle. Dry wiping can scratch the finish.
  • Avoid parking under trees and utility lines which are likely to attract birds.
    • Bird droppings have a high acid content and will damage a freshly painted surface.
    • Also, tree sap can mar or spot a freshly painted surface.
  • Do not spill gasoline, oil, antifreeze, transmission fluid, or windshield solvent on the new finish.
  • Do not scrape ice or snow from the newly painted surface. Scrapers can act like a paint scraper on a newly painted finish.

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