We have been providing quality insurance repairs for over 30 years - from minor damage to major accident restoration - and are approved to work with ALL insurance companies.
Hassle-free claims handling with rental car co-ordination and direct insurance billing.
Conveniently located for High Park, Roncesvalles, Junction, Bloor West Village & Etobicoke drivers.
Insurance Approved Auto Body Repair Shop
In Toronto's West End
we deal with your insurance company
so you don't have to
Reporting an insurance claim shouldn't feel like a full-time job. We work directly with all major Canadian insurance companies to fast-track your approval, manage the paperwork, co-ordinate a car rental, and direct billing. We use OEM parts to ensure your vehicle meets all manufacturer specifications and warranties.
We are a small, indepdepent repair shop by choice. For over 30 years our focus has been quality workmanship with a flawless finish, and personalized customer care - never corporate quotas, volume, or KPIs. Check out our top-rated Reviews here.
what you need to know about insurance repairs in ontario
In Ontario, consumers have a legally protected right to choose their own auto repair shop. Consumers are not required to have their vehicle repaired at a shop affiliated with their insurance company.
Consumers are also not required to collect and submit multiple repair quotes to their insurer.
For a hassle-free claims experience just bring your vehicle to
Omega MP Autobody, we'll submit an estimate to your insurer for approval , then take care of the rest...
How does the insurance claim process work?
1. Estimate & Photos Submission
We assess the damage and create a detailed repair and refinishing plan, which we submit to your insurer with a comprehensive package of multi-angled photos of the damages.
2. Estimate Review & Approval
We follow-up with your insurer for a timely estimate approval, use of Original Equipment Manufacturer (OEM) parts, and appropriate labour repair time for the highest standards, ensuring that all industry specifications and guidelines are met. In situations where there is complex damage, a potential total loss, or if airbags have been deployed, an insurance appraiser may come to the shop to inspect the vehicle in person.
3. Repairs & Supplemental Claims
Parts are ordered, the vehicle is disassembled, and repairs begin. After disassembly it is not uncommon to discover additional damage that wasn't visible during the initial assessment. If this happens we 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 insurer for payment.
FAQs about Insurance Claims & repairs
Will my insurance rates go up after a minor accident?
Under Ontario rules, your rates should not increase if you are found 0% at fault.
How do insurance companies determine fault?
Driver fault is determined based on the Fault Determination Rules set out in the Ontario Insurance Act. These rules:
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refer to over 40 diagrams covering 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
Do you use OEM parts?
Yes we use OEM parts when specified by an insurance policy, when required by the auto manufacturer's repair procedures and specifications, or needed for fit and safety reasons. We also off aftermarket parts for cost savings on out-of-pocket repairs for older vehicles. Check out our OEM and aftermarket parts page for more details.
Which insurance companies do you work with?
We are approved to work with all insurance companies.
Will you co-ordinate a rental car for me?
Yes, it's part of our hassle free end-to-end claims handling service.
Will you bill my insurance company directly?
Yes, it's part of our hassle free end-to-end claims handling service.
My car needs to be towed - can you co-ordinate that?
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Yes, call us for 24/7 towing and accident support at 416 769 5341.
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Keep a copy of our free printable Accident Checklist in your car - it includes our 24/7 towing number.
Do I have to use a repair shop recommended by my insurer?
No. While insurers often recommend their own 'preferred' or 'partner shops', Ontario consumers have the legal right to choose where to have their vehicle repaired.
Omega MP Autobody has been providing expert insurance repairs for over 30 years and is approved to work with all insurers.
What does 'no fault' insurance mean?
In Ontario, 'no-fault' insurance means that after a car accident, you deal exclusively with your own insurance company for vehicle repairs and personal injuries, regardless of who caused the crash. Confusingly, it does not mean that nobody is held responsible for the accident. Insurers assign fault from 0%-100% to each driver involved using Ontario's Fault Determination Rules. In contrast, in an 'at-fault' (tort) system, the driver who caused the accident (or their insurance provider) is entirely responsible for paying for the other party's car repairs and injury claims.
What if you find additional damage after the initial estimate is submitted to insurance?
This is a common occurrence as the full extent of damage may not be apparent until the vehicle is disassembled. We follow the standard procedure of submitting a supplemental claim with photos to your insurer and follow up for approval.
What if the damage is small?
You can send us photos for a free estimate.
More information available on our Scratches & Dents and Paintless Repairs pages.
FREE PRINTABLE
ACCIDENT CHECKLIST
Be prepared - keep a copy in your glove compartment