How Insurance Claims Work at Executive Auto Body
- File your claim with your insurer (online, app, or phone). Get your claim number.
- Bring it to us, virtual estimate via photos, or in person. We'll review the damage with your carrier.
- We coordinate adjuster review on-site so you don't have to schedule multiple appointments.
- Repair begins. If we find additional damage after teardown, we document and submit a supplement to your insurer.
- Rental car on-site if your policy includes rental coverage.
- Pick up your vehicle when repair is complete. We bill the carrier directly. You pay only your deductible.
You always have the right to choose your own body shop. California law (Insurance Code §758.5) makes it illegal for an insurance company to require you to use a specific shop. Your insurer can recommend, but they cannot require. See how we compare to insurer-preferred chain shops →
What If Your Insurance Estimate Is Lower Than Ours?
This is one of the most common moments in the claim process, and one of the most misunderstood. Insurance adjusters typically write desk estimates from photos, while body shop estimates come from physical inspection and teardown. The gap usually closes through supplements once we document the additional damage, and you almost never pay the difference out of pocket. Read the full guide on what to do when the numbers don't match →
Can't cover your deductible up front? We offer financing through Sunbit and EasyPay Finance. Spread your deductible or any out-of-pocket cost across monthly payments. Read more about financing →