353 Ryding Ave | 416 769 5341 Runnymede & St. Clair
Yes, we are an insurance approved auto body shop!
We are approved to work with ALL insurance companies!
We provide end-to-end claims handling - including rental car co-ordination, and direct insurance invoicing. We're a full service repair shop providing complete collision repairs and paint services. We are your one stop claim solution!
Here's how the insurance claim process works:
1. Estimate & Photos Submission
We assess the damage and create a detailed repair and refinishing plan using OEM parts which we submit to your insurer, along with a comprehensive package of multi-angled photos. Then we follow-up as necessary to secure a timely approval.
2. Insurer Negotiations
We advocate for Original Equipment Manufacturer (OEM) parts, as well as adequate technician time to complete repairs to the highest standards, ensuring that all industry specifications and guidelines are met.
3. Repairs & Supplemental Claims
As the vehicle is disassembled, it is not uncommon to discover additional damage that wasn't visible during the initial assessment. If this occurs, we prepare and submit a "supplemental claim" to the insurer with additional photos and details, and again follow-up for timely approvals and keep the repair process on track.
4. Direct Billing & Settlement
When repairs are complete, we submit a copy of the final invoice directly to the insurance company for payment.
Note: While insurers often recommend their own preferred" or "partner shops", in Ontario consumer have the legal right to choose where to have their vehicle repaired.
We suggest choosing a shop that is conveniently located for you, whose reputation you trust based on word-of-mouth recommendations and independent reviews, as well as the number of years it has been in business.
Q. How long do I have to file an insurance claim?
A. 7 days for vehicle damage, 30 days for personal injuries.
common questions about Insurance Claims
Q. Will my insurance rates go up after a minor accident?
A. Under Ontario rules, your rates should not increase if you are found 0% at fault.
Q. How do insurance companies determine fault?
A. They must follow the province's Insurance Act and Fault Determination Rules. These rules:
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use diagrams to cover more than 40 accident situations that they can apply to almost every possible road collision scenario
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are applied regardless of road or weather conditions, visibility, point of impact on the vehicles or the actions of pedestrians
In some cases, an insurer may determine fault is to be shared between multiple parties involved in the accident.
Q. What does a "no fault insurance" claim in Ontario actually mean?
A. Confusingly, it does not mean that no one will be found at fault for an accident. Some driver will always be deemed to be "at fault" for a car accident, whether partly or fully.
The term actually refers to the the claims process: if you're car is damaged or someone is injured in an accident your own insurance company will handle the claims process and compensation regardless of who is at fault (unlike other systems where driver's must go after the at-fault driver's inurance company for compensation).
The "no fault" system removes the need to prove driver fault before getting help, lowers legal costs, and reduces court delays (for injury claims).