Q. How do I get an estimate?

We do not charge for estimates. No appointment is needed. You may drop in to our office anytime between 8:00am and 5:30pm, Monday-Friday for an estimate. If you would like to make an appointment you can call or sign up online.

You do not need more than one estimate unless you want to discuss the repairs with more than one shop. It is your right to choose the body shop you would like to complete the work.

Q. The insurance company has given me an estimate, do I need to get one from your shop too?

No. Once the insurance company has written their estimate we are ready to schedule your vehicle for repairs.

Q. Will I be able to get a rental car?

We will be happy to assist you with a rental car reservation with the provider approved by your insurance company. In some cases, you may be able to pick-up and return your rental car at our facility. If you have been involved in a car accident, our team will be glad to assist with any towing service needs.

Q. How long will it take to repair my vehicle?

This will vary from vehicle to vehicle. When you come in for an estimate we us a computerized paint matching system and we take special pride in our ability to mach factory finishes as the final step in the restoration process.

Q. Do I have to pay a deductible?

Yes, if you are the insured. The amount of deductible that you are responsible for is determined by your insurance policy. We cannot cover the amount of your deductible in the cost of the repairs. When you purchased you insurance policy, you signed a contract stating you will pay the first amount of the claim up to your deductible. Repairers should not be asked to hide the deductible. That practice would constitute fraud by both the shop and the consumer.

It will be your responsibility to pay your deductible to Lonny Moore's Collision Repair, LLC at the time yo pick up your vehicle. If you are not sure about your deductible, call your insurance agent and he can tell you if they have waived your deductible or whether it will be your responsibility and how much it is.

Q. Is there a warranty on the repairs made to my vehicle?

Our warranty is based on years of experience in the autobody field. We off the following in writing when your repair is completed:

  • We guarantee all workmanship performed by our company. We certify that the structural restoration of your vehicle was based upon vehicle manufacturer's recommended specifications.
  • This limited warranty covers parts and materials used in teh repair and the labor required to complete the process. We use only the finest products, techniques and craftsmanship to complete the job to your satisfaction.

Q. What are collision, comprehensive and liability coverage?

Liability coverage only pays for damage to another person's property. It does not cover damage to your property. You may purchase optional forms of coverage. 

Collision Coverage will repair or replace your covered vehicle in the event it it damaged in an accident, even if the accident is your fault.

Comprehensive Coverage covers perils such as fire, theft and vandalism. Both collision and comprehensive coverage typically require the owner to pay the first portion of the claim called the deductible.

Q. Am I the Claimant or the Insured?

You are the insured when your policy is paying to repair your vehicle. Your deductible will usually apply. You are the claimant when someone else's insurance is paying your claim. You should not pay a deductible, and may be eligible for personal injuries to your and your occupant(s), and loss of use or rental reimbursement while your vehicle is being repaired.

Q. The insurance company says my car is a total loss. What does that mean?

The value of the vehicle, meaning the sum of the cost of repairs plus the value of the vehicle in damaged condition (salvage value), is greater than the actual cash value (ACV) of the vehicle prior to the accident.

What will happen to the vehicle? The insurance company will sell it to the highest bidder, who will either dismantle it for parts or re-sell it after repairing it.

What if you want to keep it? You have the right to retain ownership of the vehicle, but the amount of the settle may be reduced by the salvage value.


Q. What are betterment charges?

Parts that wear our and need replacement with time and use such as tires, batteries and suspension parts are subject to betterment charges when they are replaced during the repair process. These charges are determined by your insurance company and pro-rated based on actual miles on your vehicle and will be discussed with your before we start the process.

Q. If the frame of my vehicle is damaged, it is a total loss?

No. A car is a total loss only when the price of repairs exceeds the insurance company's determined value of your vehicle. Many cars are built using unibody (frame and body as one) construction. Our technicians can return your vehicle to its original factory specifications. If it's determined that the frame section is bent beyond repair, that section can be replaced.

Q. How is the actual cash value determined?

ACV is determined by an appraiser assigned by the insurance company who will inspect the vehicle to determine its condition prior to the accident, or in some instances allow the repairer to make the determination. The owner should also determine the value independently.


If you feel that the ACV offered by the insurance company is too low, then you are obligated to prove this either though documented receipts of vehicle enhancement or written statements by qualified experts to determine the proper value.

Q. Who is responsible for the quality of repairs?

The shop you choose is responsible for the quality of repairs. As the insured, you are responsible for paying for those repairs. The insurer is responsible for reimbursing you to the limits or your policy. This is why it is important that you choose your insurer, as well as repair facility, carefully.