Insurance Claims

State Farm, GEICO, Allstate, Progressive, USAA, Farmers, Liberty Mutual, and the rest — we bill all major insurance companies directly. Because we write estimates in CCC One, the same system most insurers use, our documentation speaks their language, which means fewer delays and cleaner approvals. When the teardown reveals damage that was hidden behind a bumper or panel, we photograph it and submit a supplement so it gets covered rather than passed on to you.

You decide who repairs your vehicle. An insurer can recommend a shop from a "preferred" or "direct repair" list, but you are not obligated to use one — simply tell your insurer you have chosen Mike’s Body Shop and we take it from there. Preferred lists exist for the insurer’s convenience, not necessarily your car’s. Learn more on our guide, can insurance choose my body shop in Wyoming, and our step-by-step how to file a claim after an accident.

• Filing the claim or picking up an existing claim number and running with it.
• The adjuster — scheduling, documentation, and answering their questions directly.
• Supplements for hidden damage found during teardown, so the estimate reflects the real repair.
• Direct billing to your insurer, so in most cases you only pay your deductible.
• Rental coordination — if your policy includes rental coverage, we help line it up. See does insurance cover a rental.
• Status updates throughout the repair so you are never left wondering.

Plenty of repairs make more sense to pay out of pocket — small damage, or when a claim would raise your premium more than the repair costs. We provide free written estimates and competitive self-pay pricing with the same quality workmanship and the same lifetime guarantee. We will help you weigh whether filing a claim is worth it for your situation, honestly.