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Every insurer, one desk
Insurance claims in Miami: we deal with the adjuster
Send your photos and your claim number if you have one. We write the estimate, send it to your adjuster, and photograph anything hidden before it’s billed. Start to finish, you typically pay only your deductible.
How a claim goes here
Six steps, and who does each one.
Most of a claim is paperwork between the shop and the insurer. That part is ours.
You report it to your insurer
Online, in their app, or by phone. They give you a claim number. No number yet? Start with us anyway.
You · 10 minutesYou send us 2–4 photos
From where you’re standing. Luis, our lead estimator, approves a range, usually within 1–2 hours on a weekday.
You · 2 minutesWe send the estimate to your adjuster
With the photos and every line explained, so the adjuster isn’t guessing either.
UsTeardown, and supplements
Anything hidden behind the cover is photographed and sent to the adjuster as a supplement before it’s repaired.
Us · you see the photos tooThe repair, with updates
You hear from a person the day anything changes, not the day you arrive to collect.
UsYou pay your deductible at pickup
The insurer pays us the rest directly. The workmanship warranty is yours for as long as you own the car.
You · at the desk
Your choice of shop
It’s your car. You choose where it’s repaired.
Your insurer may suggest a shop from its direct-repair program. You can use it, or you can bring the car to us. We’re not on any insurer’s program, so our only obligation is to your car and to you.
- Hidden damage goes to the adjuster. We photograph it and send it as a supplement. That’s on them, not your bill.
- Factory parts on anything structural. If the insurer writes a non-OEM part where it doesn’t belong, we show the adjuster why.
- Every insurer. We’ve worked with all the big ones and most of the small ones.
Claim or pay yourself?
Two honest routes. You pick.
We can’t advise on your policy. We can tell you what the repair costs, so you can decide with real numbers.
Through insurance
- You pay: your deductible, at pickup.
- We handle: the estimate, the adjuster, every supplement.
- Best for: anything structural, airbags, glass with cameras, or damage near or above your deductible.
- Rental: if your policy has rental coverage, we tell the rental desk the day the car is ready.
Paying yourself
- You pay: the estimate, and nothing more without your yes.
- We price: the Express Repair route too, repair before replace where it’s safe.
- Best for: scuffs, small dents and cracked covers, often below a typical deductible.
- Speed: small hits go through the Express Lane in 1–3 days.
What to have ready
Four things make a claim move faster.
- Your claim number, and the adjuster’s name if you have it.
- 2–4 photos: wide, 45°, and a close-up.
- The other driver’s details, if someone else hit you.
- A police report number, if one was taken.
Reviews
What Miami drivers say about our insurance claims.
I didn’t know I could choose my own shop. They dealt with the adjuster, the supplement and the rental. I paid my deductible and that was it.
The adjuster approved the hidden damage straight away because they had already photographed it. I never had to make a single call.
Questions
Insurance questions, answered straight.
Do I have to use the shop my insurer suggests?
No. It’s your car, and you choose where it’s repaired. Your policy decides what your insurer pays; we work with your adjuster either way.
Who pays for hidden damage found after teardown?
On a covered claim, the insurer. We photograph it and send it to your adjuster as a supplement before it’s repaired, and you see the same photos.
Will my insurer put aftermarket parts on my car?
Some policies allow non-OEM parts. If one is written where it doesn’t belong, on anything structural or safety-related, we show the adjuster why it needs the factory part.
Do I get a rental car?
If your policy includes rental coverage, yes. We tell the rental desk the day your car is ready, so you’re not paying for days you don’t need.
Is it worth claiming for a small hit?
We can’t advise on your policy. We can tell you the repair cost from your photos, usually within 1–2 hours on a weekday, so you can compare it with your deductible.
What if the other driver was at fault?
Claim through their insurer, or through yours and let your insurer recover it. Either way, send us the claim number and we deal with whichever adjuster it is.
Free photo estimate, right in the chat
Claim number or not, start with the photos.
We’ll tell you what the repair costs, and send it to your adjuster when you’re ready.
- 2–4 photos from your phone. No app, no account, no drive-in.
- Luis approves every range before it’s sent. No machine prices your car alone.
- Usually back in 1–2 hours if it’s sent by 3 PM on a weekday. In English or Spanish.
Send 2–4 photos: one wide, one at 45°, and a close-up.
Got them 👍 Year, make and model?
2013 Acura TSX