When you bought your policy, you chose a deductible for your physical damage coverage. This is the amount you are responsible for if a claim occurs. The higher your deductible, the lower the cost of your physical damage coverage. Your insurer will deduct that amount from the settlement of your claim.
No, the final choice is yours but if the insurer wants to use non-OEM parts and you decide to use more expensive OEM parts, you may have to pay the difference in cost.
No. The contract of insurance only obligates the insurance company to restore your vehicle to the same condition it was in before the loss. Sometimes this requires the use of original equipment manufacturer (OEM) parts and sometimes after-market parts can be used. After-market parts are parts made by a manufacturer other than the original manufacturer.
Yes. At your request, your company must recommend a qualified repair facility convenient to the vehicle’s location, which will repair the vehicle at the price the company is willing to pay and whose work is guaranteed. Your insurance company further stands behind the repair shop’s guarantee.
After evaluating the damages to your vehicle, your insurance company has the option of repairing your vehicle, replacing your vehicle, or reimbursing you for the vehicle’s actual cash value. Actual cash value is the amount your vehicle would have sold for on the date of the accident. Your insurance will elect to replace your vehicle or reimburse you for the actual cash value in those instances where the vehicle is economically impractical to repair. A vehicle is considered economically impractical to repair, or a total loss, if the cost to repair the vehicle equals or exceeds the vehicle’s actual cash value on the date of the loss. In many instances an insurance company will total a vehicle if the appraised damages equal 80% of the vehicle’s actual cash value because often, once repairs are begun, additional damages or “hidden damages” are found which would render the vehicle a total loss by definition. (This is sometimes referred to as a “constructive total” loss)
Call us! We’ll work with the towing company and work everything out for you. However, we’ll need you to release the vehicle. We’ll handle the estimate and repairs once your vehicle gets to one of our 3 conveniently located body shops.
In the state of Hawaii you, the vehicle owner, actually have the right to take your vehicle to the body shop of your choice.
Yes, we work with all major insurance companies. In many cases we already have relationships in place that will help expedite your claim and repair process – putting you back on the road quicker!
Sigs Collision Center offers a warranty that is valid at any of our locations through Oahu. The warranty on the repairs completed is valid for as long as you own the vehicle. Ask a Customer Service Representative for complete details.
Yes, absolutely! Our painters have years of experience and have perfected their craft. Your vehicles VIN number will actually tell us everything we need to know about the original paint colors the manufacturer used. Sigs Collision Centers uses only the best paint around, Axalta Coatings.
In almost every case, we must blend the paint from the damaged area to an area not effected by the accident. While a very common practice, we’ll make sure that when your car is delivered back to you that the paint matches exactly. Guaranteed!
To find out, our Customer Service Representatives will talk to your insurance company about your policy specifics and let you know if you’re covered for a rental car. In most cases your insurance policy includes some type of rental car coverage.
If you’re policy doesn’t include a rental car, we’re still able to help. In fact, to better serve our customers, we have partnered with Enterprise and have an on-site representative that will work with you directly.
Because each vehicle’s repairs are completely different, a proper and complete estimate needs to be completed before we know how long repairs will take. Repairing your car to pre-accident condition is an art that our technicians perform daily. It’s because of this that we’ll need to look at your vehicle and properly assess the damage areas and provide you an estimate.
We would love to talk to you about the length of repairs and details about your repairs.