What to Expect When You Need Auto Body Work at Wheeler’s Auto Body

November 15th, 2024 by

auto body work

Getting into an accident is often traumatic—not just because of damage to your car, but the emotional toll it can take, especially if an animal or other unexpected elements were involved. At Wheeler’s Auto Body, we understand this process is challenging, and we aim to make it as straightforward and stress-free as possible. Here’s a step-by-step guide on what you can expect if you bring your vehicle to us for auto body repairs.

Step 1: Document the Accident

After an accident, start by documenting the scene:

  • File a Police Report if necessary.
  • Take Photos of the accident scene and vehicle damage.
  • Contact Your Insurance Company or Agent to start a claim. Whether you speak directly with your insurance company (e.g., Progressive) or a local agent (e.g., Marshfield Insurance), this is crucial to secure a claim number.Tip: Keep your claim number handy, as it’s essential for the repair process and different from your general policy number.

Step 2: Understanding Deductibles and Coverage

Your insurance policy likely includes a deductible—a set amount you’ll need to pay out of pocket. Deductibles vary widely, so check your policy to be prepared.

Insurance Terminology:

  • Claim Number: Assigned specifically for this accident.
  • Policy Number: A general number for your entire coverage package.

Also, confirm whether your policy includes rental car coverage while repairs are underway. Many policies cover up to $45/day for a rental, and Wheeler’s provides rentals to customers during repair periods if needed.

Step 3: Getting an Estimate

Bring your vehicle to Wheeler’s for an estimate. Here’s what you need to know:

  • Single Estimate Required: Legally, you’re only required to get one estimate. If you choose Wheeler’s, that’s the only estimate you need.
  • Insurance Adjuster: Your insurance company will likely send an adjuster to review the estimate. While some insurers may request photo estimates, in-person evaluations are more thorough. Differences may arise between Wheeler’s and the insurance estimate; in such cases, we may submit a supplement request to ensure all issues are addressed.

Step 4: Parts and Repairs

Once approved, Wheeler’s will order parts and start repairs based on insurance specifications:

  • OEM vs. Aftermarket Parts: Newer vehicles (under 12,000 miles or current model year) typically get OEM (Original Equipment Manufacturer) parts. Older vehicles may have aftermarket or salvaged parts to keep costs down. You can request OEM parts, but there may be an out-of-pocket cost.
  • Hidden Damages: During repairs, additional issues may be found. In these cases, we’ll photograph the damage and send updates to your insurer for approval on any added repairs.

Step 5: The Repair Timeline and Quality Guarantee

Repairs can take up to two weeks, depending on coordination between adjusters, insurance companies, and our team. Wheeler’s provides a lifetime guarantee on all repairs completed at our locations in Marshfield or Wisconsin Rapids. This guarantee applies to the parts and work done, even transferable to the next vehicle owner.

We understand that for many customers, especially with new vehicles, returning the car in pristine condition is crucial. With our factory paint match guarantee, we ensure a seamless blend with the existing finish, making your vehicle look as good as new.

Step 6: What Happens if Your Vehicle is Deemed a Total Loss

If the damage is significant, the insurance company may declare the vehicle a total loss. This decision is based on factors like vehicle age and damage extent and is determined by insurance, not Wheeler’s. In such cases:

  • Gather all personal items from your vehicle.
  • Locate your title or payoff information, as needed for final settlement.

Tips to Avoid Future Accidents

While some accidents are unavoidable, ensuring your vehicle’s tires have sufficient tread—especially in winter or wet conditions—can improve safety. Using the “penny test” or checking for at least 5/32″ tread depth can help maintain braking and steering effectiveness, particularly on slippery surfaces.

Visit our Auto Body Page here!