06/24/2026
“Why do I owe out of pocket if insurance is paying for the repair?”
That’s a question we hear often.
In some cases, insurance companies only approve certain parts or repair procedures based on their own guidelines and cost controls.
If you prefer OEM parts instead of aftermarket alternatives, or if additional manufacturer-required procedures are needed to repair the vehicle properly, there may be costs insurance does not fully cover.
Our job is to explain those differences clearly so you can make informed decisions about your repair.
At the end of the day, we believe safety, fit, performance, and proper repair matter more than choosing the cheapest option available.