Not your fault? You pay nothing.
When the other driver caused it, their insurance pays — no deductible applies to you at all. We route the claim that way whenever the facts support it.
Insurance claims · start to finish
Insurance-Approved Auto Body Repair — We Handle the Claim
Insurance collision repair without the phone tag. We work with every insurance company, bill the approved repair directly to your insurance, and manage the adjuster, approvals, and supplements — the estimate comes first, free, so you know where you stand before any claim is opened.
5.0 110+ Google reviews · read them- Lifetime paint warranty
- All insurance accepted
- Owner-operated since 2010
Deductible assistance
Deductible stress?
Relief starts here.
A deductible should never keep your car broken. Talk to us before you assume you can’t afford the repair — there’s almost always a path.
Talk it through · (651) 460-9996Payment plans on deductibles
If it’s your own claim and money is tight, tell us. We set up payment plans on the deductible instead of letting it delay your repair.
We fight for every dollar
Teardown-first estimates and supplement handling mean your insurance pays for the full repair — you never cover hidden damage out of pocket.
Honest help only — we’ll never inflate a claim to “bury” a deductible. That’s fraud, and shops that offer it are cutting corners on your car. How deductible help really works →
How it works
From claim to keys
One estimator owns your repair from the first call to final inspection — you always know who to ask and what happens next.
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Free estimate
Call, stop by, or send photos of the damage. You get a transparent written estimate — no obligation, no hidden line items.
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Insurance handled
We open the claim, meet the adjuster, and coordinate approvals directly with your insurance. In Minnesota, the choice of shop is always yours.
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Repair & refinish
Structural work is measured to factory spec, then panels are prepped, color-matched, and finished in the booth.
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Inspection & delivery
Every repair passes a final quality inspection before you get the keys — backed by our lifetime paint warranty.
Estimate first, claim second
Send three photos and get a free written estimate within 24 hours — before any claim is opened. If the repair costs less than your deductible, we tell you, and you skip the claim entirely.
Billed directly to your insurance
Once the repair is approved, the covered work is billed to your insurance company directly. You pay your deductible — nothing else on covered damage — and never sit in the middle of the paperwork.
Every insurance company accepted
State Farm, Progressive, Allstate, GEICO, American Family, USAA, Farmers, Travelers, Auto-Owners, Kemper — and every other insurance company writing policies in Minnesota.
Supplements handled for you
When teardown finds damage the first estimate missed, we document it with photos and file the supplement directly with the adjuster. Approved covered damage never comes out of your pocket.
Insurance made easy
We work with all
insurance companies.
We open your claim, meet the adjuster, and handle the approvals for you. And by Minnesota law, the choice of repair shop is always yours — no insurance company can send you somewhere else.
- State Farm
- Progressive
- Allstate
- GEICO
- American Family
- USAA
- Farmers
- Travelers
- Auto-Owners
- Kemper
- + every other insurance provider
Live from Google
Every review. Unfiltered.
Pulled straight from our Google profile as they come in — names, dates, and customers’ own photos included.
Good to know
Questions about this repair
Straight answers before you commit to anything — and a human on the phone when you want one.
Are you an insurance approved body shop?
We work with every insurance company, and repairs completed here are covered by your policy — Minnesota law (Minn. Stat. § 72A.201) guarantees your policy pays reasonable repair costs at the licensed shop you choose. No insurance company may require you to go elsewhere.
Do I pay anything besides my deductible?
On covered damage, no. Your insurance company pays the approved repair directly; your deductible is your share. If teardown reveals more damage, we file a supplement — covered damage stays covered.
Should I get the estimate before or after filing the claim?
Before, when you can. A free written estimate tells you whether the repair even clears your deductible — sometimes paying out of pocket is smarter than a claim. We price it first so you can decide with real numbers.
How long does insurance approval take?
Simple claims are often approved within a few business days; supplements add time when hidden damage turns up. We schedule parts and the repair bay while approval is in motion, so the wait overlaps instead of stacking.
Step by step
How the claim works with your insurance company
Get started
Send photos now,
get a number today.
Three photos from the parking lot are enough to start: one full corner of the vehicle, one close-up of the damage, one wide shot. A written estimate comes back within 24 hours — or book a time to bring the car in, or have us call you.
- Response
- Within 24 hours
- Cost
- Free, no obligation
- Prefer to talk?
- (651) 460-9996
Photo estimates cover what a camera can see. If teardown reveals hidden damage, we document it with photos and clear it with you (and your insurance) before any extra work.
Been in an accident?
We’ll take it
from here.
Mon–Sat · 9 AM–11 PM · Sundays by appointment · 8080 W 125th St, Unit G, Savage