Insurance Claims & Collision Repair — What Your Insurance Company Doesn't Always Explain

We accept all insurance. We don't work for your insurance company.

Airpark Auto Collision works with all insurance companies. State Farm, GEICO, Progressive, Allstate, Farmers, USAA, Liberty Mutual, Nationwide, American Family — whoever is involved in your claim, we can work with them. You do not need a particular carrier to bring your vehicle here.

What makes us different is that we are not a Direct Repair Program shop. We don't have a DRP contract obligating us to an insurance company's repair-cost or cycle-time objectives. Accepting insurance and being contracted to an insurer are two completely different things, and they get confused constantly.

Can my insurance company choose my body shop?

Generally, the vehicle owner chooses the repair facility. An insurer may recommend a preferred or network shop, and those shops can be perfectly legitimate businesses — but a recommendation is not automatically a requirement. The relevant question is whether that shop's relationship with the insurance company aligns with what you want from your repair facility.

What actually happens during a claim

The initial estimate

The first estimate is written from what's visible. On a modern vehicle, a great deal of damage is not visible until parts come off. That's normal, and it's why estimates change.

Teardown and hidden damage

Once the vehicle is disassembled, the real damage picture emerges — bent structure, damaged brackets, compromised sensors, crushed absorbers. Documenting this properly is one of the most important things a repair facility does.

The supplement

A supplement is a request to add newly documented damage and operations to the approved estimate. Supplements are a routine part of collision repair, not a sign that something went wrong. They do, however, require documentation, photos, and sometimes a conversation with the adjuster. We handle that.

Parts decisions

Insurers may specify aftermarket or recycled parts on an estimate. There are situations where those parts are appropriate and situations where they are not. We'll explain the difference and, where we believe a specific part type is necessary for a proper repair, we'll document why.

When there's a disagreement

We're not interested in fighting an insurance company for the sake of fighting. We are interested in the vehicle being repaired correctly. When we disagree with an estimate, we document our position with manufacturer repair procedures, photos and measurements, and we advocate for our customer.