Frequently Asked Questions
Insurance Repair
Questions Answered
Learn more about comprehensive coverage, collision coverage,
deductibles, estimates, supplements, and choosing a repair
facility.
What is the difference between comprehensive and collision insurance?
+
Comprehensive coverage generally applies to covered
non-collision events such as hail, weather, falling
objects, theft, vandalism, and animal impacts. Collision
coverage generally applies to covered damage caused by
impact with another vehicle or object.
Does comprehensive insurance cover hail damage?
+
Comprehensive coverage commonly applies to covered hail
damage. Actual coverage depends on the policy,
deductible, exclusions, and circumstances of the claim.
Can Dent Tech of Memphis work with my insurance company?
+
Yes. Dent Tech of Memphis works with customers insured
by major national and regional carriers and can provide
repair documentation and claim-related communication.
What is my insurance deductible?
+
A deductible is the amount the policyholder is generally
responsible for paying toward a covered claim. Your
insurer and policy documents can confirm the exact
deductible that applies.
What is an insurance supplement?
+
A supplement is additional repair documentation
submitted when covered damage, parts, labor, materials,
or required procedures were not included in the original
estimate.
Do I have to use the repair shop recommended by insurance?
+
Vehicle owners generally have the ability to choose the
repair facility that works on their vehicle. Ask your
insurer about any policy-specific claim procedures.
Will filing a claim increase my insurance rate?
+
Repair shops do not determine insurance premiums. Rate
decisions depend on the insurance company, policy,
claim history, state rules, and other underwriting
factors. Contact your insurer for policy-specific
information.
Can I get an estimate before filing a claim?
+
Yes. Dent Tech of Memphis can inspect the vehicle and
discuss visible damage. Final insurance coverage and
payment decisions are made by the insurer after a claim
is submitted and reviewed.