How We Handle Your Insurance Claim
You have the right to choose your own body shop in Ontario. Your insurance company might suggest or steer you toward their "preferred" or "network" shops, but under Ontario law, the choice is entirely yours. This is important to know upfront because some insurers make it sound like you have to use their recommended shop. You don’t.
We handle the entire claims process for you — from the initial damage report to the final payment from your insurer. That means we file your claim, communicate with your adjuster, schedule the appraisal, negotiate if the insurer undervalues the repair, arrange your rental car, and bill your insurance directly. You sign one form at the beginning and pick up your repaired vehicle at the end.
We work with every major insurance company in Ontario: Intact, Aviva, Economical, TD Insurance, Desjardins, The Co-operators, Wawanesa, RSA, Pembridge, Allstate, and many more. The process is the same regardless of which insurer you’re with. Direct billing means your insurance pays us directly — you never see an invoice for the covered amount. You only pay your deductible, if applicable.
Our Process
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1
Report the Accident
Call your insurance company to open a claim — or let us do it for you. Have your policy number, the date and location of the accident, and the other driver’s information if applicable. We can walk you through this step by step.
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2
Get Your Free Estimate
Bring your vehicle to us for a thorough damage assessment. We photograph everything, document all damage points, and prepare a detailed repair estimate that we submit to your insurer.
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3
Insurance Approval
Your insurer reviews our estimate and either approves it or sends an appraiser. We handle any negotiation or supplemental claims if additional damage is discovered during disassembly. This is where having an experienced shop matters — we know how to document and justify every repair item.
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4
Repair & Direct Billing
Once approved, we complete the repair and bill your insurance directly. If your policy includes rental car coverage, we coordinate that too. You pay only your deductible when you pick up your vehicle.
What to Expect
The insurance process typically adds 2-5 business days to the overall timeline for adjuster scheduling and approval. Some insurers are faster than others. We know which companies move quickly and which ones need follow-up, and we stay on top of every claim. You’ll never be left wondering what’s happening with your file.
Frequently Asked Questions
Can I choose my own body shop in Ontario?
Yes. Under Ontario’s Insurance Act, you have the absolute right to choose any licensed repair facility. Your insurer cannot refuse to pay a claim because you chose a shop outside their network. If an adjuster pressures you to use a specific shop, that’s a red flag.
What is my deductible?
Your deductible is the amount you pay out-of-pocket before insurance covers the rest. It’s set in your policy — typically $500 or $1,000 for collision coverage. If the other driver was at fault and has been identified, you may not need to pay a deductible at all because their liability coverage applies.
Do you deal with my insurance company directly?
Yes. We handle all communication with your insurer — filing the claim, submitting estimates, coordinating with the adjuster, negotiating supplemental claims if needed, and billing them directly for the repair. You don’t need to make phone calls or chase paperwork.
What about a rental car?
If your policy includes loss-of-use or rental car coverage, we help you arrange a rental through your insurer. Many of our customers get a rental delivered to our shop on the day they drop off their vehicle. Check your policy or ask us — we can review your coverage with you.
How long does the insurance claim process take?
The claim itself takes 2-5 business days for the insurer to review and approve the estimate. The actual repair timeline depends on the damage. Total turnaround from drop-off to pick-up is typically 1-3 weeks for a standard collision repair. We provide realistic timelines upfront.
Related Services
Available Across the GTA
Get Your Free Estimate
Tell us about the damage and we’ll provide a detailed quote — usually within a few hours.
Request Estimate