Financing
Paying For The Repair
We write the estimate. You decide how it gets paid: insurance claim, out of pocket, or split into stages. No fine print games.
How it gets billed
Three Ways The Ticket Closes Out
Every job leaves here with a written work order. What happens with the total is up to you.
Insurance Claim
We write the estimate to match your adjuster's line items, not around them. Supplement requests go out the same week we find hidden damage — a bent bracket behind a bumper, a cracked mount under a quarter panel. You pay your deductible when the car's ready, insurance covers the rest direct to us.
Direct Pay
No claim, no adjuster — you're paying the ticket yourself. We give you the itemized total up front: parts, paint, labor hours, broken out by line so you can see where the money goes. Settle when you pick up the vehicle.
Phased Repair
Big structural jobs — frame pull, full repaint, multi-panel work — can run in stages if that's easier on the wallet. We finish and invoice one phase (say, frame and structural) before starting the next (paint and reassembly). You keep the car between phases if it's drivable.
What's on the ticket
Every Estimate Is Itemized
Parts cost, paint material, labor hours by task, sublet work like glass or alignment — it's all broken out on the work order, the same document that goes to your insurer or sits in your file if you're paying direct. If a lender or insurance company needs documentation, this is the paper trail: VIN, mileage, damage photos, tram-gauge frame readings for structural jobs, and the line-item total.
Ask for a printed copy at drop-off. We keep one on file too.
Frame pull, panel replacement, and color-match repaint: itemized, three-stage invoice.
Start the paperwork
Get A Number Before You Commit
Run your damage through the calculator below for a repair range, or call Charles and Freda direct at 931-436-1209.