What You Need to Know About Paying for Auto Body Repairs

Understanding Your Payment Options

At City Side Auto Body, we understand that collision repairs can be an unexpected expense. Here's everything you need to know about paying for auto body repairs.

Insurance Coverage

Types of Coverage That Apply

• Collision Coverage: Covers damage from accidents regardless of fault
• Comprehensive Coverage: Covers non-collision damage (theft, vandalism, weather)
• Liability Coverage: The other party's insurance if they're at fault
• Uninsured Motorist: Protects you from uninsured drivers

Understanding Deductibles

Your deductible is what you pay out-of-pocket before insurance coverage kicks in. Typical deductibles range from $250 to $1,500.

When You Pay Deductibles

• Using your collision coverage
• Comprehensive claims
• When you're at fault

When You Don't Pay

• Other party is 100% at fault
• Successful subrogation by your insurer
• Uninsured motorist claims (sometimes)

Direct Billing to Insurance

City Side Auto Body offers direct billing to insurance companies. We handle the paperwork and billing, so you only pay your deductible directly to us.

Payment Methods We Accept

• Insurance direct payment
• Cash or check
• All major credit cards
• Debit cards
• Insurance checks
• Third-party financing

Financing Options

For repairs not covered by insurance or high deductibles, consider:

• Payment plans (ask about availability)
• Credit card with promotional rates
• Personal loans from your bank
• Care Credit or similar medical/auto financing

Hidden Damage and Supplements

Sometimes additional damage is discovered during repairs. We handle supplemental claims with your insurance, so you're not surprised by additional costs.