Maybe, but modern plastic filler is a much different product than “bondo” from years back. It is a durable medium that’s great for finish and feather-edging work. A quality repair facility won’t use filler until the underlying metal is properly repaired. Ten years ago, putty earned a bad reputation. It didn’t provide long-lasting repairs. The world has changed a lot since then.
Modern (high-quality) filler is very stable. It doesn’t shrink or crack and is a great sub-strata for primers and paint finishes. Used appropriately, it is part of many high-quality repairs.
My insurance estimate lists Quality Replacement Parts (or re-chromed parts or re-manufactured parts or recycled parts or used parts). Are they as good as new factory parts?
We all want a cost-effective repair. The insurance company would prefer to repair the car for less money rather than more money. The repair shop and the vehicle owner don’t want to waste the insurance company’s money because it will drive premiums up. If a high-quality repair can be done for less money, everyone is better off.
Given that, high-quality shops won’t do anything to make the vehicle owner, their customer, worse off merely to save the insurance company money. If the “other” part is inferior in any way, your repair shop should compel the insurance company to use the original manufacturer’s part. In the end, the vehicle must be in the same condition it was before the accident occurred. Any other result is unacceptable.
Your estimate is higher than the one the insurance company wrote. Will I have to pay the difference if I want to bring my car to you for repair?
No, not normally. The insurance company is obligated to return your vehicle to its pre-accident condition, and they are willing to pay for a correct repair. The way modern vehicles are constructed, it’s often difficult to see all the damage on their first inspection. Insurance company adjusters typically include only visible damage in their estimates. Suspected, even strongly suspected, damage is normally omitted.
When your vehicle is disassembled for repair, additional damage is frequently discovered. A good-quality repair shop needs to point out this additional damage to the insurance company and make arrangements for the company to pay for the additional repairs required.
It’s just this simple – your repair shop has an obligation to you to make your vehicle every bit as nice as it was before the collision occurred. They have an obligation to themselves to compel the insurance company to pay them properly for necessary repairs. Your repair shop needs to be willing to handle all the negotiations required to make this happen.
You are responsible for your deductible, if you have one, payable to the repair shop at the completion of repairs. The insurance company is responsible for all repair expenses above your deductible. It costs you no more to choose the repair facility that provides the highest quality repairs.