Frequently Asked Questions

Do I have to take my vehicle to the auto body shop suggested by my insurance company?
The choice of where to repair your vehicle is always yours.

What is my deductible and when do I need to pay it?
Your deductible represents the financial portion of the claim to which you are responsible for. You agree to the deductible amount when you purchase your insurance policy. You may have different deductibles associated with specific coverage. Please check your insurance policy to verify your deductible(s).

Your deductible can be paid at the time you pick up your vehicle once it has been repaired.

What exactly is an insurance 'preferred' auto body shop?
Insurance companies have business relationships with specific auto body shops to ensure quality workmanship. The insurance company usually offers a lifetime warranty on repairs completed at a preferred collision repair shops.

Is Assured Automotive an insurance 'preferred' auto body shop with my insurance company?
Assured Automotive locations are recognized as insurance 'preferred' auto body shops with the majority of insurance companies. Please check with the nearest Assured Automotive location or your insurance company to confirm.

Do all insurance 'preferred' auto body shops offer the same services and benefits?
No, they do not. You should always confirm or ask what other services or benefits any particular shop may offer you. For example, ask the shop if they honour your manufacturers' warranty. All insurance 'preferred' auto body shops must honour the Lifetime Warranty offered by the insurance company.

Will all insurance 'preferred' auto body shops honour my Manufacturers' Warranty on the repairs?
No, they will not. An auto body shop must be affiliated with Dealerships which represent each specific Manufacturer to honour the Manufacturers' Warranty on your vehicle. You should always ask this question when inquiring with an auto body shop if you require repairs on a newer or leased vehicle.

Assured Automotive has many affiliations with several dealerships covering the majority of vehicle manufacturers. Contact us to learn more.

Does your company offer a warranty on repairs?
We offer a Lifetime Warranty on the repairs to your vehicle as long as you remain the registered owner or lessee. We also can extend the Manufacturers' Warranty to your vehicle (when applicable).

Will my insurance rates go up if I report my accident and file a claim?
By law, you are supposed to report any vehicle accident. As far as rate increases are concerned, some insurance companies offer 'accident forgiveness' on your 1st at-fault accident. You should always check your policy coverages to confirm that you have the appropriate coverage. If you are unsure about your coverage, always speak to an insurance professional. If you are unclear if the accident was your fault, please review the Fault Determination Rules utilized by insurance companies to determine fault. If you are found to be 50 percent, or more, at-fault, it is likely that your premium will go up at the renewal of your insurance policy.

Will you be able to repair my vehicle back to its original condition?
We offer a LIFETIME guarantee on all repairs. We have trained technicians and the latest equipment to ensure the repairs to your vehicle meet manufacturer specifications. It is our responsibility to ensure your vehicle is as safe as it was before the accident.

Will you be using brand new parts to repair my vehicle?
If your repair is managed by your insurance company; it is not up to the auto body shop to decide on which parts to utilize for repairs. The insurance company always decides on how they would like the vehicle repaired. If you are concerned about new parts versus “other” parts, you should speak with your insurance adjuster or agent for clarification.

Will you be able to match the colour of paint on my vehicle?
We have chosen to do business with only the best automotive paint suppliers in the industry. These same paint suppliers also supply vehicle manufacturers. We follow the specifications outlined by these suppliers.

Why do repair estimates differ from one auto body shop to another?
It is important to take the necessary steps and time to ensure all related damages, as a result of an accident, are listed on an estimate. Most vehicle owners will not have the expertise to compare estimates line by line. Most consumers will compare bottom-line prices instead, which can be very misleading. Assured Automotive collision repair professionals will take the time to ensure that each customer understands their collision repair estimate. We want you to feel comfortable with the repair process before proceeding with any repairs. You should always confirm that any repair estimates you get are accurate, reflect the damages to be repaired and are in written form. When comparing estimates remember to compare 'apples to apples' and that the estimates all include the same repairs and parts.

Do I need to report my accident to the police?
By law, you must report any vehicle accident to the police when there is personal injury or damage over a certain dollar amount. If you are unsure, its best to file a police report as soon as possible. 'Fail to Report and Remain at the Scene of an Accident' is both a Federal and Provincial offense in Ontario.

Will Assured report my accident to my insurance company?
No, only the registered owner of a vehicle or the named insured on an Insurance policy may report any accident or damages to their insurance company.

Does Assured Automotive provide courtesy vehicles?
We do not provide courtesy vehicles. If your claim is insurance-related, most policies have coverage that will afford you with a rental vehicle while your vehicle is being repaired. Please check with your insurance professional to ensure you have the appropriate coverage.

Would I need to replace my child’s car seat after an accident?
To ensure that your child or children are 100% safe, we ALWAYS recommend you replace your child’s car seat after being involved in an accident.