Should I File An Insurance Claim?

We're here to help you navigate the insurance question... Should I file a claim?

Should I File An Insurance Claim?

Several factors can influence your decision about whether to use your insurance to repair damage to your vehicle.  Ultimately, your decision should be based on whether the cost of repairing your vehicle is less than or close to the cost of your policy's deductible.

This is because you will need to pay the full amount of your deductible for any repairs before your insurance kicks in.

It may be advisable not to file a claim if the cost of repair is less or close to your deductible amount.

For example, if the estimate to repair your car is $600, and your deductible is $500, it may be to your advantage to cover the additional $100 yourself rather than filing an insurance claim which could affect your insurance rates.

At Ellis Brothers, we know the decision can be a confusing one, and we're here to help you navigate the decision making process.  The best place to start is with an repair estimate.  You can use our online repair estimate form or call us anytime at (248) 717-3432.

Our certified auto body repair technicians will review your vehicle to evaluate all damage, including the damage you can see and the hidden damage that is not visible.

We will give you a standard estimate to fix it the right way, and where possible offer you a lower cost alternative.

If you choose to file a claim we'll work directly with your insurance company to ensure the claim is processed correctly and efficiently.

Ultimately, our goal is to be your collision repair shop for life, no matter how big or small the damage.