Frequently Asked Questions

Q: Who do I owe my deductible to and when do I have to pay it?

A: The deductible is the first thing paid on a claim before the insurance company payment occurs and it is paid to the repair facility. However, repair facilities usually collect the deductible when you take delivery of your vehicle. Tim’s Collision Plus collects the deductible when you take delivery of your vehicle. We want to be sure you are satisfied with the repairs we’ve done before any payment is made.

Q: I have a repair facility that I have used in the past and am very happy with them, but my insurance company told me to go to someone else, that my facility is not on their list. Can they do that?

A: No. Michigan State law says that the consumer has the right to choose which facility to have their repairs done. However, if the repair facility you chose is not competitive to the rest of the area, you may be responsible for the difference. An example of this would be; your insurance carrier pay’s $20.00 per labor hour in your area and the facility you use charges $21.00. Your estimate shows 5 labor hours. You would be responsible for the additional $5.00 – this rarely occurs.

Q: Who makes the claim when I have an accident?

A: This needs to be done by the authorized driver or the owner of the vehicle. Repair facilities cannot make a claim on your behalf. However, Tim’s Collision Plus will do everything possible to assist you with the process.

Q: How many estimates will I need?

A: You are only required to get one estimate. After you have gotten your estimate, the insurance company may choose to send an adjuster to do an estimate. There are several reasons for this, such as: It’s the insurance company’s procedure, the cost of repairs might exceed certain limits set forth by the individual insurance company, or the vehicle may be a total loss, etc. However, if someone else damages your vehicle and they are going to pay for the repairs instead of involving the insurance companies, that person may ask you to get more than one estimate. This is of course, between you and them.