Looking at a car that requires some auto body repair work can leave you wondering what your options might be. Here's what you need to know to proceed with getting your ride fixed.

Can You Fix It Yourself?

The first issue to address here is whether you're going to be filing an insurance claim. If the job ends up being expensive enough that you need to file a claim, then you're taking it an auto body repair shop whether you like it or not.

If you're not sure about it, go to a shop and tell them you need an estimate for both an insurance quote and if you're paying. When the quoted amount is lower than your insurance deductible, there's no real logic to filing claim. Even if you're not going to DIY, you'll probably be better off paying out of pocket. You may also want to pay out of pocket if you're dealing with the aftermath of a one-car accident you caused.

Small dents and scratches may be fine to deal with on a DIY basis. If there's a dent that's deep enough that it might threaten the tires, the suspension system or some other essential component, you're probably going to need a professional. Likewise, if there are any sensors in the damaged area, a common problem on newer cares with lane and collision detection systems, you may need a pro.

Filing a Claim

At most shops, the claims process is fairly streamlined. Many businesses use mobile apps from various insurance carriers. These allow them to take pictures of the damage and quickly provide estimates to an insurance adjuster. In most cases, they'll just need to see your insurance papers to figure out where to file the claim. If you're worried about where to take your vehicle, contact your insurance agent and ask them for a list of shops they trust.

Understanding Costs

When you look at an auto body repair estimate, you might feel a bit shocked by the numbers you see. A lot of factors come into play, but matching paint and replacing specific components are often the biggest expense. For example, some types of auto paints require mixing pearlescent materials, metal flakes and base colors to create a sense of visual depth. The insurance company generally pays to have your car restored as close to possible to its original condition, and the paint will match the manufacturer's code.

If your vehicle is damaged and you aren't sure what to do next, visit an auto body repair shop near you to get started. 

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