Insurance Claims for PDR
Navigate the insurance claims process for paintless dent repair with confidence. Understand your rights, maximize your coverage, and avoid common pitfalls.
Understanding Comprehensive Coverage
What's Covered
- ✓ Hail damage (all severities)
- ✓ Falling objects (tree branches, debris)
- ✓ Vandalism and intentional damage
- ✓ Parking lot incidents (hit and run)
- ✓ Animal damage (rare but covered)
What's NOT Covered
- ✗ Collision damage (requires collision coverage)
- ✗ Wear and tear / existing damage
- ✗ Intentional damage by owner
- ✗ Damage from lack of maintenance
- ✗ Racing or off-road damage
The Claims Process
File the Claim
Within 24-48 hoursContact insurer, provide policy/VIN, describe damage, share photos. Get claim number and adjuster assignment.
Document Everything
ImmediatelyTake comprehensive photos from all angles, close-ups of each dent, VIN plate, odometer. Save all communication.
Adjuster Inspection
2-7 daysAdjuster inspects vehicle, writes initial estimate. This estimate is often conservative - supplementals are normal.
Get Competing Estimates
1-3 daysGet 2-3 PDR shop estimates. You choose the shop, not the insurance company. Compare with adjuster estimate.
Negotiate if Needed
As neededIf shop estimates significantly higher, provide documentation. Adjusters may re-inspect or authorize higher amount.
Authorize Repairs
1-2 daysOnce amount is agreed, get written authorization. Shop begins work. You may get rental car coverage.
Supplemental Claims
During repairShop files supplement if additional damage found. Common and expected in PDR. Adjuster reviews and approves.
Final Payment
Upon completionReview completed work. Insurance pays shop directly or reimburses you. Get receipt and final photos.
Your Rights as a Policyholder
You Have the Right To:
- Choose your own shop - Insurers can't require you to use their preferred shop
- Get multiple estimates - Compare 2-3 shops before deciding
- Challenge the estimate - Provide documentation if adjuster's estimate is too low
- File supplemental claims - For damage discovered during repair
- Appeal denials - Request supervisor review or file state complaint
Common Insurer Tactics to Avoid:
- Steering - Pressuring you to use their preferred shop
- Lowballing - Initial estimate deliberately low to reduce payout
- Delaying - Slow responses hoping you'll give up or settle low
- Cash settlements - Offering money without seeing repair quotes
- Denying supplements - Refusing to pay for additional damage found