//Insurance Claim Assistance
We Handle the Insurance Process. You Handle One Phone Call.
We know how the insurance system works, and the tactics carriers use to minimize their cost at your expense. We work for you. From claim documentation to final payment, we handle the process so you do not have to.
- Since 1966
- I-CAR Certified
- 5x Readers Choice
- A+ BBB Rated
- AkzoNobel™ Certified
- Lifetime Guarantee
Spec - Established
- 1966
- Location
- Elko New Market, MN
- Recognition
- 5x Readers' Choice
- Guarantee
- Lifetime Workmanship
Before You Call The Adjuster
One phone call and the stressful part is over.
- It's your vehicle. You decide where to get it fixed.
- We handle the insurance claim from start to finish.
- Free, no-pressure estimate. We answer every call.
- I-CAR certified repairs, restored to factory condition.
- Lifetime warranty on workmanship.
Service now, pay over time.Financing available through Sunbit.
Spread your deductible or out-of-pocket cost over time. Ask us when you call.
Get Free Claim Help
Tell us what happened and we will call you right back. No pressure, no obligation.
What We Do
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 direct repair program 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.
You have the legal right to choose any body shop you want, regardless of what your insurance company suggests. Insurance carriers often steer customers toward their preferred shops. You are not obligated to use them. You can choose Bodywerks, and we work with every major carrier on your behalf.
The full insurance process, handled
- Initial claim documentation with photos and written scope
- Direct adjuster negotiation and advocacy
- Deductible minimization wherever possible
- Supplemental claim handling for hidden damage
- Repair approval coordination
- Final payment processing and claim closeout
How We Do It
How We Work the Insurance Process
You Call Us First
Before you call your insurance company, call us. We will walk you through your situation and tell you what to expect, putting us in the strongest position to advocate for you.
We Build the Documentation
At your estimate, we document every detail of the damage. Photos, written scope, parts list, labor breakdown. This is the basis of every negotiation that follows.
We Submit & Negotiate
We submit the documentation to your adjuster and negotiate the scope directly, advocating for the repairs your vehicle actually needs.
We Handle Supplementals
If additional damage is discovered, we stop, document, and submit a supplemental claim. The repair does not continue until it 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 Bodywerks
Why Drivers Trust Us With Their Claims
We Work For You, Not Their Margin
With the exception of American Family, we do not sign agreements that prioritize the carrier's bottom line. We advocate for the repairs your vehicle actually needs.
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 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 preferred shops. You are not obligated to use them. You can choose Bodywerks.
Documentation Is Our Leverage
Every visible damage point is documented with photos and written scope. That documentation is what gives us leverage when negotiating with your adjuster.
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.
Built Around You
The Conveniences Chain Shops Don't Offer
An accident is stressful enough. We take the logistics off your plate.
Free Pickup & Delivery
Within 25 minutes of our Elko New Market shop. If your vehicle is not drivable, we come to you.
On-Site Rental Cars
Pick up and return your rental right here at the shop, through Enterprise and Hertz. No extra trips.
After-Hours Drop-Off & Pickup
Drop off or pick up your vehicle on your schedule, day or night. The shop works around your life.
What Customers Say
Real Reviews From Real Customers
06 Where We Work
Serving the South Twin Cities & St. Croix Valley
We serve drivers across 8 communities in the south metro, with the same standard at every address.
Common Questions
Frequently Asked Questions About Insurance Claims
Do I have to use the body shop my insurance company recommends?
What is a direct repair program and why does it matter?
Will my insurance company pressure me to use a different shop?
How do you minimize my out-of-pocket cost?
What happens if more damage is discovered during the repair?
Do you handle the insurance paperwork for me?
Will my insurance rates go up if I use Bodywerks instead of their preferred shop?
What insurance companies do you work with?
Get Started Today
Filing a Claim? Call Us Before You Call Your Insurer.
We will walk you through your specific situation and put ourselves in the strongest position to advocate for you. One phone call. We handle the rest.
Real humans answer every call. Lifetime workmanship guaranteed.