Frequently Asked Questions

Insurance

Q: What is a deductible?

A deductible is the portion of repairs paid by you, the customer, when the repairs are part of an insurance claim. Deductibles vary for every customer based on their insurance policy. Typically, if you are not at fault, you will not be required to pay a deductible. Please contact your insurance company prior to scheduling repairs to determine what your deductible is, as this amount is due when repairs are complete.

Q: Do I have to pay my deductible if I file a claim through my insurance company and the accident was not my fault?

In most cases, yes. You may be reimbursed if the other insurance company pays through subrogation (accepts liability of damages). Some companies may waive the deductible in advance, if liability has been accepted. Please contact your insurance company prior to scheduling repairs to determine what your deductible is, as this amount is due when repairs are complete.

Q: Why does my insurance check have my name and the Lien Holder’s name on it?

If you are still making payments on your vehicle, the lien holder holds the title to your vehicle until the loan is paid off in its entirety. To protect the lien holder’s financial investment in your vehicle, they require that the repairs are complete prior to releasing the payment. This can cause delays in our repair process as we do not release vehicles until we receive payment in full. 

At your request, most insurance companies will re-issue this type of check made payable directly to Colorado Car Works.  This method eliminates all potential delays once the job is complete and cut's out the process of going through the lien holder entirely. If you have additional questions regarding this process please contact us, we are happy to help!

Q: What if additional damage is found during the repair of my vehicle?

If additional damage is found during the repairs to your vehicle, and they are determined to be accident related, then the insurance company will pay for them. Colorado Car Works will produce a supplemental invoice and submit it to the insurance company when this occurs. All repairs will be put on hold until the insurance company approves the supplement. You will be notified if your repairs require a supplement.

Q: My vehicle is “totaled”. What does that mean?

The cost to repair your vehicle is more than the vehicle's value - as determined by the insurance company. For example, if your vehicle costs $2,000 to repair and its value is $1,000, then the insurer will pay you the value of $1,000 (plus applicable Colorado sales tax) and the insurer will keep your vehicle. 

Q: I don’t care if my vehicle is totaled - can I still have it repaired and keep it?

Yes, but you need to be aware of a couple of things.

First, the insurance company will only pay you for the value of your car, not for the cost of repairs. You will have to pay out of pocket for repairs. 

Second, the title to the vehicle will need to be stamped “salvage” and the Department of Motor Vehicles will have to re-inspect the car before it is allowed back on the road. Please contact the Department of Motor Vehicles for further information regarding title re-issuance for “salvaged” vehicles.

Finally, please keep in mind the Lifetime Limited Warranty we provide for all repairs completed at Colorado Car Works prevent us from any "partial" repair work. It is our goal to restore your vehicle to pre-accident condition. We will not cut corners at our customer's request, we apologize for any inconvenience this may cause.