Insurance Claims
Had an Accident? We Handle the Paperwork.
Dealing with a claim shouldn't be harder than the accident. Bring your claim number and we take it from there — photos, estimate, supplements, and updates to your adjuster — while you get on with your week.
How a Claim Works
Four Steps. No Chasing.
- Report the ClaimCall your insurer (or the other driver's) and get a claim number. You don't need their estimate first.
- Choose Garage 13Tell the adjuster you're repairing at Garage 13 Collision Center. In California, the shop is your choice.
- We Document EverythingPhotos, a written estimate, and a teardown report go to your adjuster. Hidden damage becomes a supplement — we handle it.
- Repair & PickupWe repair to the approved estimate, you pay only your deductible at pickup, and the workmanship is warranted for life.
Your Rights in California
The Shop Is Your Choice.
- ◢You choose the repair shop. An insurer may recommend one but cannot require it (Cal. Ins. Code §758.5).
- ◢You're entitled to a written estimate before work starts and an itemized invoice after (Automotive Repair Act).
- ◢Any non-OEM crash parts must be identified on the estimate and invoice.
- ◢If the car isn't safe to drive, you can have it towed directly to the shop of your choice.
We help you navigate the claim. We don't negotiate or settle claims on your behalf — final decisions rest with you and your insurer.
What to
Bring
Insurance Repair Checklist
Don't have everything? Bring what you have — we'll help you find the rest.
- ◢Claim number & insurer name
- ◢Driver's license & registration
- ◢Photos from the scene, if you have them
- ◢Your deductible amount
- ◢Rental coverage details
Insurers
We Work With Every Major Insurer.
Including, among others:
Insurer names are listed for information only and do not imply endorsement or a direct-repair program relationship.
FAQ
Insurance Questions
Yes. We work with all major insurers. Bring your claim number and we'll document the damage, send the estimate and photos to your adjuster, and handle supplements if hidden damage turns up during teardown.
In California, yes — the choice of repair shop is yours. An insurer can recommend a facility, but it can't require one. You can bring your car to Garage 13 under any insurer's claim.
Usually just your deductible, which is paid to the shop when you pick up the car. Everything else is billed to your insurer according to the approved estimate.
No problem — many customers do. You'll get a free written estimate first, and we can talk through repair options to fit your budget before anything starts.
We can coordinate towing to the shop and point you to rental options nearby. If your policy includes rental coverage, we'll help you use it.