Frequently Asked Questions

1. What are O.E.M. Parts?

OEM (Original Equipment Manufactured) is a term used for parts made by the manufacturer of your automobile.

2. What does "Aftermarket" mean?

"Aftermarket" is a term used to describe repair/replacement parts for your automobile that are not produced by the manufacturer of your car. Many "Aftermarket" parts carry certification by "CAPA" which helps ensure the integrity and basic quality of the part. Usually these parts are less expensive and therefore some insurance policies authorize the use of these parts. These parts are sometimes referred to as "Quality Replaced Parts".

3. What is a deductible?

A deductible is a portion of the repair bill that you are responsible for. This is determined by your insurance policy. For example, some deductible amounts are $100, $250, $500 and $1,000. The higher the deductible amount, the greater discount is applied to your policy premium. This Calculation occurs at the time you purchase your insurance policy.

4. When am I responsible for paying my deductible?

When your vehicle repairs are complete, the insurance company pays us for the work performed minus your deductible. The deductible is due to the body shop when the car is picked up.