We Handle the Insurance Process. You Handle One Phone Call.
We know how the insurance system works. We know the tactics carriers use to minimize their cost at your expense. We work for you, not the insurance company. From claim documentation to final payment, we handle the process so you do not have to.
We Work For You. Not the Insurance Company.
Most chain body shops have direct repair program agreements with major insurance carriers. Those agreements come with one condition: keep repair costs down for the insurance company. That means cheaper parts, faster turnarounds, and corners cut on quality.
With the exception of American Family, for whom we are a DRP shop, Bodywerks does not participate in those programs. We work for you. We negotiate the repair your vehicle actually needs. We advocate for factory standards, not insurance margins.
The Full Insurance Process, Handled
You make one phone call. We handle the rest.
Initial Claim Documentation
We document every visible damage point with photos, written records, and detailed scope of work. This documentation is what gives us leverage when negotiating with your adjuster.
Direct Adjuster Negotiation
We work directly with your insurance adjuster to get the full scope of necessary repairs approved. If the adjuster pushes back on legitimate repairs, we push back harder. With documentation.
Deductible Minimization
We structure repair estimates and negotiate to keep your out-of-pocket cost at or below your deductible whenever possible. In most cases, you pay nothing more than your deductible.
Supplemental Claim Handling
When additional damage is discovered during disassembly, we stop work, document the additional damage, and submit a supplemental claim to your insurance. You are never surprised by hidden costs.
Repair Approval Coordination
We coordinate every repair approval through your insurance company so you do not have to make calls or chase paperwork. We handle the back-and-forth so you can focus on getting back to your life.
Final Payment and Closeout
We handle final payment processing and claim closeout with your insurance company. Documentation is provided to you for your records.
How We Work the Insurance Process
You Call Us First
Before you call your insurance company, call us. We will walk you through your specific situation and tell you what to expect. This puts us in the strongest position to advocate for you from the start.
We Build the Documentation
At your estimate appointment, we document every detail of the damage. Photos, written scope, parts list, labor breakdown. This documentation is the basis of every negotiation that follows.
We Submit and Negotiate
We submit the documentation to your insurance adjuster. We negotiate the scope of work directly with the adjuster. We advocate for the repairs your vehicle actually needs.
We Handle Supplementals
If additional damage is discovered during the repair, we stop, document, and submit a supplemental claim. The repair does not continue until the supplemental is approved. No surprises.
We Close the Claim
Final payment, claim closeout, and documentation handling are all done by us on your behalf. You receive a copy of the final documentation for your records.
Why Drivers Trust Us With Their Claims
- We Are Only a DRP Shop For American Family.Most chain shops have agreements with insurance carriers that prioritize the carrier's bottom line. With the exception of American Family, we do not. We work for you.
- We Negotiate For Your Repair, Not Their Margin.We advocate for the repairs your vehicle actually needs, using documentation, photos, and factory specifications as our leverage.
- We Keep You At or Below Your Deductible.Whenever possible, we structure repairs to keep your out-of-pocket cost at or below your deductible. This is one of our most consistent results.
- We Know the System.Decades of working with every major insurance carrier means we know the tactics, the language, and the leverage points. You get the benefit of that experience.
- You Have the Right to Choose Your Shop.Insurance companies often steer customers toward their preferred direct repair program shops. You are not obligated to use them. You can choose Bodywerks.
- Real Communication, Every Step.No phone trees. No automated text messages. When you call, you talk to a real person who knows your claim and your repair.
Serving the South Twin Cities and St. Croix Valley
We serve drivers across 8 communities in the south Twin Cities metro region. Free pickup and delivery within 25 minutes of our Elko New Market shop.
Frequently Asked Questions About Insurance Claims
Just Got Into an Accident? Call Us Before You Call Your Insurance.
Calling us first gives us the strongest position to advocate for you in the claim process. One phone call and we take it from there.