WICKED COLLISION INSURANCE POLICY

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If this vehicle repair will be paid for by an auto insurance provider, here is our policy regarding auto insurance claims.

Like health insurance, most insurance companies have adopted a network of auto body shops they develop relationships with. These programs are usually called Direct Repair Programs or “DRP Programs.” While some of these programs maybe reputable, many force collision centers to agree to substantially reduced rates or require the use of crash parts not made by the manufacturer of your vehicle (i.e., “non-OEM”, Aftermarket or Counterfeit parts). In return for more business, some auto body shops make these concessions. At Wicked Collision Center, we refuse to participate in any program that would require us to compromise the repair of your vehicle.

We are a completely independent professional auto body repair facility and are not legally bound to any insurance contract or program. Our goal is to return your vehicle to its pre-loss condition by using professional and proper repair procedures according to OEM specifications. Our repair facility is equipped with trained technicians and OEM approved equipment.

Our labor rates are set to reflect current cost of repair and paint materials. ($65/per hour for body and paint labor & $45 for paint materials) Due to inflation, material costs have risen and continue to rise. Insurance companies will often put a cap on the amount that they will pay for labor rates, by using the justification that they are paying the “prevailing rates” or “market area rates” when in fact these so-called “prevailing rates” or “market area rates” do not truly represent the actual labor rates of reputable, independent shops in the area. Laborratehero.com is a handy tool to use to check actual labor rates in your area.

We are happy to assist you with your claims process and advocate for you as fervently as possible, however we cannot control what the insurance company will or will not pay.

1) Your insurance is a contract between you and your insurance company. We are not a party to your policy. 

2) All necessary procedures may not be covered by the insurance company. Many insurance companies arbitrarily select certain service procedures they will short-pay on, or not cover at all. We will keep you apprised of these charges.

3) You will be responsible to pay any difference in repair procedures or labor rates that the insurance company will not pay. We will provide you with a receipt and you can then submit it to your insurance company for reimbursement.