We know there are a lot of different questions you may have regarding the repair of your vehicle and insurance. Check below and browse our list of frequently asked questions to get some answers. If you have any further questions that your insurance company hasn’t answered, please contact Finney Auto Body today.
Estimates usually take 15-30 minutes to complete depending on the amount of damage. If you’re in a hurry, we’ll be happy to provide your estimate to you by email. You can make an appointment if you’d like or just stop in whenever its convenient.
We are open for business Monday – Friday 7am-5pm.
You need to speak with your insurance provider to let them know you are getting an estimate from Finney Auto Body. When you’re talking to your agent, you will also want to find out how much your deductible is. Once you’ve notified them, schedule your estimate with us or just stop in and we’ll handle the rest.
Yes. If an insurance company is involved, we will serve as your liaison with the company’s auto claim adjuster. Our experienced staff will communicate with the insurance company’s staff helping to expedite the claim process. We work with many different insurance companies and understand their collision repair procedures.
Yes. Our trained experts will restore your vehicle based on industry and manufacturer’s specifications.
The time it takes to repair a damaged vehicle depends on the severity of the damages. Once an estimate is completed and the parts, if needed are sourced from the vendors, we will be able to give you a rough estimated time of completion. Please keep in mind that heavily damaged vehicles may take significantly longer to fix and because of recent supply chain issues, parts have also been harder to get. We can promise you we will never sacrifice quality of workmanship to have your car done faster.
Your insurance company, the age of your vehicle, your personal preference and other factors play a role in determining which parts are used. Our technicians will be happy to answer all of your questions concerning the type of parts used in repairing your vehicle. We will ensure that quality replacement parts are used.
Yes! Just let us know what other work you would like performed. If this other damage is not covered by your insurance, you will have to pay for it yourself, separately.
Yes, our trained and certified technicians are given all of the tools needed to match your paint color. With the use of a color matching camera, color chips, and tinting techniques we can guarantee a factory color match. We use high-quality PPG water-based paint.
We stand behind all of our repairs with a warranty protecting your vehicle against any defect in materials or workmanship.
Hand washing is fine any time after painting. It is important that you wash your vehicle in the shade, not in the sun. Dry with a chamois or soft cloth. If you wish to run your vehicle through a commercial car wash, wait at least 30 days. Please refrain from waxing for 90 days after new paint.
We accept the following forms of payment: MasterCard, Visa, Discover, American Express, debit cards, personal checks, insurance checks, cash, money orders, certified bank checks, and cashier’s checks. If you have a deductible to pay, it must be paid at the time of delivery or pick up.
Unfortunately, no. Our payment policy is that payment is expected in full when your vehicle is picked up.
Yes. It is the customers’ responsibility to pay the deductible charge when they pick up their vehicle. From time to time, collision repair shops are asked to “bury the deductible.” This practice constitutes fraud against the insurance company and is illegal. If a collision repair facility is willing to cheat an insurance company, they will be equally willing to cheat the car owner.
If the shop agrees to “bury the deductible,” it has to take shortcuts in the repairs, and the vehicle owner will get a second-rate job that depreciates the value of the car at trade-in time. An auto body repair shop never really absorbs the deductible, and the value is taken right out of the job. The car owner will ultimately suffer the loss.
While we don’t provide free cars, we can get you in touch with Enterprise Rent-A-Car or Smithburg Automotive, a local car rental business, so they can bring a car to you. In many cases, the expense of your rental may be covered by the insurance company.
During the estimating and inspection process there is a threshold (dollar amount of repair) in which the estimate must be sent to the insurance company for evaluation. In most cases the insurance company will assess the vehicle value and determine a total repairable cost that they can spend on repairs. This process can take an insurance company several days… If the insurance company does decide your vehicle is a Total Loss, here are reasons why.
There are 2 types of Total Losses: Economic and Structural. An Economic Total Losses is when the repair cost exceeds the cost of the insurance company replacing your vehicle. This usually happen when the repair cost reaches around 75% of the vehicles value. The insurance company then sells the vehicle to an auction or salvage yard to recoup the addition cost in paying the total value settlement to the vehicle owner. Keep in mind that only the insurance company can determine a vehicle an Economic Total Loss.
A Structural Total Loss is when there is part of the repair that is not repairable. This usually involves a repair in which either the vehicle manufacturer or government legislation has deemed a specific area of damage unsafe to repair.