Frequently Asked Questions

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Here are some frequently asked questions we receive at J & C Automotive & Collision regarding general auto body and collision repair services. 

Auto Accident and Auto Body Questions

Many people have no idea what their auto insurance policy really says. A common pitfall is to believe that they have 'Full Coverage' or 'Their insurance company will take care of everything!' When it comes time for repairs most are amazed to find that they don't even have provisions in their policy for rental car coverage. 

Many policies are available that are excellent coverage and there are a lot of solid insurance companies and agents. Get your policy out and review it. Maybe even go over it with your agent and really get to know exactly what it is you are paying for every month!
Many people are not prepared to make the decisions they are forced to make shortly after being involved in an accident. If you have taken the time to review your insurance policy some of these decisions would be answered. It’s a good idea to take some time to think some of the decisions through in advance. Sit down with your spouse, a close friend, your agent, etc. and get some answers to questions like, 'If I was involved in an accident, what decisions do I need to make and how would I make them?' 

YOU HAVE JUST BECOME INVOLVED IN AN ACCIDENT! It can happen that quick anytime you are driving. Not a pleasant thought. Unfortunately, it happens, even to the best of drivers. It may or may not be your fault, but what happens afterward is up to you. Many people believe that since their insurance company is paying the bill, the decisions should be up to them. The truth is it's your money that the insurance company is spending to pay for repairs. Remember, you pay premiums every month and count on the insurance company to be there for you. It's your money. It's your car. You make the decisions. 

The following information is designed to aid you in the repair of your damaged vehicle. The material is intended to be general in nature. Before obtaining repairs, you should contact your attorney to ensure that the information complies with your state laws and regulations. This material has been prepared by the Automotive Service Association (ASA).

Question: Must I obtain three estimates? 
Answer: Generally, no. Unless your policy states otherwise, no one can tell you to obtain more than one estimate. You, as the car owner, may do so, should this be your desire.

Question: What is the best procedure for me to get quality repairs and quickly get my vehicle back on the road?     
Answer: Take your vehicle to a reputable repair shop. Leave it with the manager. Instruct the manager to contact your insurance company and advise them as to the damage. You should then call your insurance company and advise them of the vehicle's location.

Question: I don't believe I was at fault in the accident. Should I use my own collision policy or try to collect from the other party? 
Answer: Try to collect from the other party because you will not have to pay a deductible. Also, if you use the other person's policy, you may be entitled to a rental car while yours is being repaired, and no accident should be charged against your policy.

Question: I am sure that the other driver is at fault, but no one has made any effort to see to the repairs of my auto. What can I do? 
Answer: You are the owner of the automobile. Only you have the legal right to make arrangements for the repair of your automobile, not the insurance company.

Question: Do I have to take my vehicle to a drive-in claims service? 
Answer: Generally, no. Unless your policy provides otherwise, it is not mandatory to take your vehicle to a drive-in claims service. Usually it will suffice for you to call your insurance company and tell them where the vehicle can be examined by a claims person.

Question: If I go to a drive-in claims service, do I have to take the car to its preferred shop? 
Answer: Generally, no. However, if you decide to take your car to the preferred shop, ask your insurance company to implement its "elects to repair" clause (check your insurance policy). This may cause the insurance company to be responsible for, among other things, the quality of repairs.

Question: I am having a problem with the insurance company. Can the state insurance commissioner's office help me? 
Answer: Perhaps, yes, but the commissioner's authority is limited! The commissioner's office in your state can describe the scope of authority for you.

Question: Can the insurance company and service shop make an adjustment and start repair on the auto without the owner's consent? 
Answer: Generally, no. You should be presented an estimate to know what is being repaired on your vehicle before repairs are made, unless your policy states otherwise.

A Final Word on Auto Body Repair

Most state laws make it unlawful for any person to operate any motor vehicle that is unsafe or has defective equipment. Insist on having your vehicle restored to its pre-accident condition. Do not be pressured into having repair work done by a specific shop simply because of a lower price.

Question: Do I need to schedule an appointment?
Answer: An appointment is not necessary, however, it can cut down on your wait time. Contact us at 832-521-5884 to schedule your appointment.

Question: When my car is in an accident do I have to take it to the shop my insurance recommends?
Answer: It is completely your decision to have collision repairs done at your shop of choice. J & C Automotive Collision strives for quality in customer service and is certified with the major OEM companies to provide repairs that put your car back to factory specifications and factory condition.

Question: Does J & C Automotive Collision refinish work without collision damage?
Answer: Yes, J & C Automotive Collision does scratch and blemish repair to bumpers, body panels, etc. However, we don’t do complete paint, color changes, or custom painting. Call us for an appointment or just come by and we will address your refinishing needs.
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