Being in an accident is stressful enough. But navigating the insurance process afterward can feel even more overwhelming—especially if you’ve never had to file a claim before. At Paul’s Auto Collision in Garden City, NY, we’ve helped countless drivers through the repair and insurance process with ease. Whether you’re dealing with a minor fender bender or major body damage, understanding how collision insurance works can help you avoid unnecessary delays and out-of-pocket costs.
In this blog, we’ll walk you through what happens after an accident, how to file an insurance claim for collision repair, and how our team at Paul’s Auto Collision works with both you and your insurance company to get your car safely back on the road.
Step 1: Document Everything After the Accident
Right after an accident, your first priority should always be safety. Make sure everyone is okay, call 911 if needed, and move your vehicle to a safe location. Once that’s handled, you’ll want to gather important information, including:
- Photos of the damage (close-up and wide shots)
- Contact and insurance information for all involved parties
- A copy of the police report (if applicable)
This documentation will be critical when you file your insurance claim and get your repairs started.
Step 2: Call Your Insurance Company
As soon as possible, report the accident to your insurance provider. They’ll assign you a claim number and possibly a claims adjuster. It’s important to note that you have the right to choose your own repair shop—even if your insurer suggests one.
Paul’s Auto Collision is not only a trusted local body shop—we’re also experienced in working directly with all major insurance companies. We’ll help you through every step of the process so you’re never stuck trying to translate confusing insurance terms or paperwork.
Step 3: Get an Estimate for Repairs
Once the claim has been started, it’s time to bring your car in for an estimate. Our team performs a thorough visual and digital inspection to document all visible and hidden damage. We’ll then provide a detailed, written estimate that includes parts, labor, and repair times.
Because Paul’s Auto Collision is a certified collision repair shop in Garden City, we use OEM (Original Equipment Manufacturer) parts whenever possible to protect your vehicle’s value and performance.
Step 4: We Handle the Paperwork
Once you approve the repairs, our team works directly with your insurance adjuster to get everything authorized. We’ll take care of the paperwork, supplemental claims (if more damage is found), and updates so you can focus on getting back to normal.
If your vehicle is not drivable, we can help with towing and rental car coordination as well.
Common Questions About Insurance and Collision Repair
Q: Do I have to use the repair shop my insurance recommends?
A: No. In New York State, you have the legal right to choose any repair shop you want. At Paul’s Auto Collision, we welcome all insurance providers and work as your advocate throughout the process.
Q: Will filing a collision claim raise my insurance rates?
A: It depends on your provider and the details of the accident. If you’re not at fault, your premium may not increase—but it’s always best to speak directly with your agent.
Q: How long does the repair process take?
A: This varies based on the extent of the damage, parts availability, and insurance approval. On average, most repairs take between 3–7 days. We’ll give you a time estimate upfront and keep you informed along the way.
Q: What if more damage is found after the repair begins?
A: That’s common. We’ll file a supplemental claim with your insurer and explain the new findings. No work is done without your approval.
We Make the Insurance Process Easy
At Paul’s Auto Collision, our mission is simple: provide high-quality repairs with honest service. We’ve earned the trust of drivers across Garden City and Nassau County by being transparent, efficient, and easy to work with. Whether you’re dealing with minor damage or major repairs, we’ll guide you through every step of the insurance and repair process.
Get Your Free Collision Repair Estimate Today
Don’t let the insurance process slow you down. Call Paul’s Auto Collision in Garden City, NY, today to schedule your free estimate or speak with a member of our team. We’re here to help you get back on the road—safely, quickly, and stress-free.