The first thing to do is to contact your insurance company and initiate a claim. The damage will be assessed by an insurance adjuster.
This estimate may not be accurate, as it is just an estimate. When you have your car repaired, any difference between the amount of the estimate and the final invoice will be resolved between Montana Dents and the insurance company by means of a supplement.
The insurance adjuster will most likely encourage you to have your car repaired by one of their preferred vendors. Remember, it is your choice to have your car repaired by the person or business of your choice. It is illegal for an insurance company or their representative to require you to have your car repaired by any specific vendor. It is not uncommon for the preferred vendors to have representatives present at insurance company claim centers. Do not be pressured into using one of these vendors if you are not comfortable with them.
If you do not repair your car and you cash the check, you are, in effect, settling the claim for the amount of the estimate, when the actual amount could, and probably should be, substantially higher.
While it is tempting to just cash the check and not have your car repaired, there are consequences to consider before doing so. One consequence could be that in the event of a future damage claim the insurance company may reduce the amount paid on that claim by the amount previously paid for hail damage not repaired. Also, if the claim amount is not applied to any liens against the vehicle, then the vehicle value would not be sufficient to satisfy the lien in the event the vehicle is sold or traded.
Once you have decided to utilize our services simply call or stop by to schedule your repair. As soon as we get your car in the shop we will look it over with our specialty LED lights to ensure a proper estimate is written. In most cases some adjustments may need to be made to your original estimate from your insurance company. In this case we work with your insurance company directly to ensure all of your repair are covered. As soon as this is done we will begin repairs on your vehicle using the art of Paintless Dent Repair. Once your vehicle has gone through its final inspection we will notify you that your vehicle is ready to be picked-up.
No grinding, bondo, fillers, or primers are used, these methods can result in cracking and shrinking leading to your car being back in the body shop. Paintless Dent Repair leads to a higher quality repair in a more cost-effective and timely manner than a traditional body shop.