Will Filing a Claim for Hail Damage Increase My Insurance Rates?
No, filing a claim for auto hail damage will not increase your rates. Auto insurance claims fall into two categories: collision and comprehensive. Hail damage is classified as a comprehensive claim, meaning it is considered an event beyond your control. Unlike collision claims, where fault may be shared, comprehensive claims—often referred to as "acts of God"—involve natural, unavoidable events such as hail, floods, or wildfires. Insurance companies cannot legally raise your individual rates for this type of claim. However, insurers may adjust rates across entire ZIP codes in affected areas. This means your rates could increase regardless of whether you file a claim or repair your vehicle.
Is DG Collision Experts Locally Owned and Operated?
Yes. DG Collision Experts is locally owned and operated in Lewisville, Texas. Unlike many companies in the DFW Metroplex, we are proud to be a local business.
Will I Have to Pay My Deductible?
No. We work with you to minimize your out-of-pocket costs for paintless dent repair (PDR). In many cases, you may pay little to nothing. We offer flexible solutions to keep your costs as low as possible.
Do I Have to Use My Insurance Company’s Recommended Shop?
No. By law, you have the right to choose where your vehicle is repaired. Some insurance companies may attempt to “steer” you toward preferred shops, which can prioritize cost savings over quality. The choice is always yours.
What Is Paintless Dent Repair (PDR)?
PDR is a non-invasive, eco-friendly, and cost-effective method of repairing hail damage. Using specialized tools, technicians gently reshape the metal from behind the panel, restoring it to its original condition without affecting the paint.
My Insurance Estimate Recommends Replacing Parts—Is That Required?
No. Insurance companies often choose the most cost-effective option, which may include replacing panels. However, you have the final say in how your vehicle is repaired.
How Does Paintless Dent Repair Work?
Technicians use specialized tools to carefully push dents out from behind the panel or pull them using bonding tabs. This process restores the surface without repainting, preserving your vehicle’s factory finish and value.
When Is PDR Recommended?
PDR is ideal for hail damage, dings, and dents where the paint surface is not damaged. It is widely recommended by insurance companies as the best repair method for these cases.
What Happens If I Don’t Repair Hail Damage?
Your policy may include an “unrepaired damage” restriction, which can lead to denied future claims. Additional damage from accidents or future storms may worsen the condition and reduce repair options, potentially lowering your vehicle’s value.
How Long Do I Have to Fix My Vehicle?
Insurance checks are typically valid for 180 days, but estimates can change due to labor and parts costs. While there’s no strict deadline, claims must be filed within a “reasonable time,” and delays can create complications.
Do I Get a Free Rental Car?
If your policy includes rental coverage, we’ll help arrange a rental through your insurance. If not, DG Collision Experts provides a complimentary rental vehicle during your repair.
How Long Will Repairs Take?
Repairs are typically completed within 7–10 business days after approval. If additional parts are needed, we handle everything in-house and keep you updated throughout the process.