Accident Help

Being involved in an automobile accident can be a very stressful and trying time. However, with the help of your insurance agent, claim staff and experienced collision center, your worries can be minimized.

If you are involved in an accident, always contact the local police department from the scene so that a report can be made. The police department will take care of documenting the parties and vehicles involved along with an account of how the accident happened. While you are waiting on the officer to respond, make sure you find out if there were any witnesses to the accident and ask them to stay or leave a phone number so the officer may get their input.

Always take a few minutes and walk around your vehicle and the other vehicle involved making mental notes of any and all damage that may have occurred and consider writing the information down for further reference.

If your vehicle is not drivable, the officer will help you make the necessary arrangements to have your vehicle towed. Make sure you get the information from the tow driver as to where your vehicle will be stored. Before you leave the scene, the officer should give you the information of how to obtain the report and when it will be ready.

If your accident has occurred on private property, you will find the police department may not respond. In this case, you will need to exchange information with the other party and try to reach an agreement on who was at fault. If you feel the other party is at fault but they are not cooperative, contact your own insurance company and give them all of the information and let their claim department try to resolve the issue for you.

After your accident, contact the responsible insurance company as soon as possible, whether it is your insurance or the other party’s involved. It is not always necessary to contact your insurance company if you were not at fault but you may want to call your agent to find out what your policy dictates. Once your claim is filed, give the adjuster all of the information you have, in great detail, including how and when the accident report will be available.

Once your claim has been filed and the insurance company gives you the approval to have your vehicle repaired, they will direct you on their claim process and how to get your vehicle repaired. Very few companies today will require you to go get three estimates. Most companies have direct repair programs with body shops, have their own staff adjusters or work with local independent adjusters to get your vehicle repaired.

Please see our FAQ's below for additional help or call the office at (903) 753-5391

Frequently Asked Questions

What is a deductible and will I have to pay it?
When you purchase your insurance policy, you pick a deductible that applies to your collision and comprehensive coverages. Deductibles are part of the repair cost and your insurance company covers any cost above your deductible. McDaniel’s Quality Body Works collects all deductibles that apply.
Will I have to pay a deductible to fix the person's car that I hit?
No, only when you repair your vehicle.
Will I get a rental car when my car is in the shop?
If you are filing a claim on your policy, you will only get a rental car if you purchased the rental car policy. It is a separate coverage. If your repairs are being covered by another person's policy, you will receive a rental car as part of their liability coverage.
My insurance estimate is less than the body shop's estimate. Do I have to pay the difference?
No. We honor most insurance company estimates, therefore bring us the estimate they approved. In most cases, we try to write a complete estimate up front whereas the insurance company may want to wait until the vehicle is in the shop to come get an agreed price with us.
Can the insurance company use aftermarket and salvage parts to repair my vehicle?
Yes. Your policy spells out the type of parts to be utilized during repairs. If it was the other person's fault, state laws allow insurance companies to use like kind and quality parts that are determined to be equal quality to OEM.
Can I just leave my vehicle at the shop when I come for the estimate?
Not normally, but in some cases. If you have an insurance claim and they are covering the cost of your rental car, they will require us to pre-order your parts and schedule your repairs, otherwise we can accommodate drops offs, in most cases. Scheduling your repairs after your parts have been received is our most efficient process.
The insurance company made my repair check out to my lien holder, what do I do?
Some insurance companies choose to protect your lien holder when you have an accident. Bring the check to us before we start repairs and we will take care of obtaining their endorsement.
Is my vehicle a total if it has frame damage?
No. Vehicle makers design frames to be repaired providing the shop has the proper equipment and follows correct procedures. If the shop determines the frame needs to be replaced, the insurance company may then consider the vehicle a total loss.