COLLISION REPAIR FAQS

  

WHAT IF MY INSURANCE ESTIMATE IS LOWER THAN YOUR ESTIMATE?
This is true in most cases; insurance companies are limited and cannot account for 100% of the damage if the vehicle is not at a repair shop and disassembled for proper inspection. BMW of Ramsey will use your preliminary insurance estimate as a starting point. Once we begin our process, we will perform a blueprint for all of the damage and schedule your insurance company to reevaluate the needed repairs. The insurance adjuster will then add an amendment to the original insurance estimate for any hidden damages and needed procedures required to repair your vehicle back to manufacturers specifications.

AM I ENTITLED TO A FREE LOANER CAR?
Unfortunately, BMW substitute loaner vehicles are reserved for BMW service and warranty repairs with an average repair time of 24 hours. Most insurance policies will cover a rental vehicle, if you do not have this coverage on your policy, we recommend you have it added. Costs for such coverage per year is minimal but can be most helpful while your vehicle is being repaired. Please note, most rental policies only cover costs for a maximum of 30 days per claim, the insured may accumulate out of pocket expenses with high severity repairs. You will need to find out how much daily coverage you are entitled to under your policy. Most state laws require insurance companies to provide a comparable vehicle during repairs, (comparable), refers to seating capacity and not type of vehicle in most cases. We work with Enterprise and Hertz offices nearby, and they can direct bill most insurance companies.

HOW IS PAYMENT ARRANGED FOR MY CLAIM?
We do have direct payment arrangements with most insurance companies. You would need to sign a Direction of Payment form prior to starting any repairs. If the vehicle is financed or leased, it may have a lien holder other than BMW Financial Services and in this case, it is your responsibility to have it endorsed before your repairs are done. 

You are responsible prior to picking up your vehicle for any payments from your insurance company which were sent directly to your home address and any insurance deductible if applicable.

An insurance deductible is always due at completion of repairs anytime you go through your own insurance policy, even if the accident was not your fault. Your insurance company will conduct their own investigation and will subrogate against the other party's insurance if that party is found to be at fault. Once the other party's insurance accepts liability, your insurance company will be reimbursed for the claim at which time you will be reimbursed for the insurance deductible which you paid out of pocket. 

OUR GUARANTEE
All paint and body repairs are covered for the lifetime that you own your vehicle, this excludes any damage caused by normal wear and tear and/or any road hazards that may have affected the area repaired. All replacement parts carry a manufacturer specific limited warranty. The BMW of Ramsey Collision Repair Center takes great pride in our repairs, rest assured we put quality first and stand behind it and our customers.

BMW COLLISION REPAIR CENTER

 
BMW of Ramsey | Collision Repair Center
 
985 NJ-17 South
Ramsey, NJ 07446

Collision Repair Center Hours
Mon-Fri: 7:30am - 6:00pm
Sat/Sun: Closed