As the owner of your vehicle, contact your specific insurance company to report the incident and/or accident right away. Your insurance company will advise you on how to proceed. Please keep in mind, individual insurance companies have a slightly different process in place. For example, some companies will only accept estimates their company completes while others are more flexible and will accept our estimate. Once you have obtained an estimate of record (that has been approved by your insurance company), TACS will need a copy of the document in order to schedule your repair. This document can be emailed to us at email@example.com or simply delivered to us in person. Once your car is in our care, we will handle all future communication and/or dealings with your insurance company.
It is important to note Regulation 64 of NYS Insurance Law, specifically section 2610, states that “an insurance company cannot require that repairs be made to a motor vehicle in a particular place or repair shop. You have a right to have your vehicle repaired in the shop of your choice.” However, be prepared to be strongly encouraged by your insurance company to utilize a repair shop within their network that may or may not be TACS. Please remember that any auto body or collision repair completed at TACS automatically comes with a lifetime warranty for as long as you own your vehicle.
- Reporting your Claim: Call your insurance company or agent as soon as possible after the loss to avoid any unnecessary delays. If they give you a claim number, remember to write it down and bring it with you to our shop. This will make it easier and faster for us to work with your insurance company. It is also a good idea to write down the name and the phone number of the person that you talked to.
- Payment for Repairs: Usually, T.A.C.S. will bill the insurance company directly for their portion of the repairs. Some companies will mail the payment directly to your home. When your vehicle is completed, you will need to bring payment to cover your deductible and the insurance company check if it was mailed to you. Please remember that every claim is different. T.A.C.S. managers will be more than happy to answer any questions that you have regarding payment for your specific claim.
It is usually the cost of repairs that determines if your vehicle is considered a total loss. This means that while your vehicle may be able to be repaired the cost to do so exceeds the value of the car at the time of the accident and/or incident. A total loss is determined by your insurance company’s specific total loss formula. For more information regarding Total Loss, please CLICK HERE FOR MORE INFORMATION
Billing & Payments
Most payments for repairs are broken up into two parts. The first part is what the insurance company covers or pays for. The second part is what the customer is responsible to pay for (usually their deductible). If you would like more information please click on the following link: CLICK HERE FOR MORE INFORMATION