Insurance, claims, parts, and the repair process
Stay calm and follow these steps: 1. Check for injuries and call 911 if needed. 2. Move to a safe area and turn on hazard lights. 3. Exchange driver, license, and insurance info. 4. Take photos of all vehicles, surroundings, and license plates. 5. File a police report if there are injuries or significant damage. Then, contact Polo's Auto Body. We'll guide you through the insurance claim process, coordinate your repair estimate, and communicate directly with your insurer so you don't have to deal with the stress.
Absolutely not. Under California law, you have the right to choose any licensed repair facility. Insurance companies may recommend a preferred shop, but that's for their convenience — not yours. At Polo's Auto Body, we work with all major insurance companies and handle the communication, documentation, and negotiation to make sure your car is repaired properly — not cheaply.
Not always. In California, insurance companies cannot raise your rates for not-at-fault accidents, but they may review your overall claim history. Our team at Polo's Auto Body can help you evaluate whether to file a claim or pay out of pocket — and if you file, we handle all correspondence with your adjuster to keep things smooth, professional, and documented.
If you're clearly not at fault, you can open a claim with the other driver's insurer for direct repair coverage and rental reimbursement. If fault is disputed or time is critical, file with your insurer — We can still handle coordination and subrogation support on your behalf.
Yes, and you should. California's CCR § 2695.8(g) protects you from being forced to accept sub-standard or imitation parts. We will document and justify OEM part use, especially for safety systems (ADAS, sensors, airbags). Quality isn't optional — it's our baseline.
It depends on part availability, repair scope, and insurer approvals, but our team provides a target completion timeline after the initial inspection and keeps you updated every step. We don't rush jobs — we repair to factory precision, refinish to showroom standards, and deliver your car looking better than before the accident.
If your car's repair cost approaches its market value, the insurer may declare a total loss. We can help you validate the payout by comparing market comps and assisting with diminished value claims when applicable. Even if your vehicle is deemed "totaled," our team can advise you on buyback and rebuild options.
If the other driver is at fault, their insurer typically covers a rental during the repair period. If you're filing under your own policy, you'll need rental reimbursement coverage. Either way, Polo's Auto body coordinates rental timing, billing, and extensions directly with the insurer so you're never stuck without transportation.
That's called supplemental damage, and it's normal. When we disassemble your vehicle, hidden damage may appear. Polo's documents, photographs, and submits supplements directly to your insurer for approval — ensuring every repair meets safety and manufacturer standards. We never cut corners.
Yes — if there's injury, death, or damage over $1,000, California law requires filing a DMV SR-1 report within 10 days. If police don't respond on scene, you can still file at the nearest station or online. Once you have your report, send it to Polo's Auto Body, and we'll attach it to your claim for faster processing.
Coverage depends on your insurance policy. If you purchased aftermarket or custom parts coverage, your insurer may reimburse those parts after an accident. Each insurer has specific limits — always confirm your policy details. Polo's Auto body works directly with adjusters to ensure all custom parts are properly documented and valued in your claim.
Once you've filed a claim, please provide: Claim number, Insurance company name, Adjuster's name or team number, and Adjuster's phone number and email address. Polo's Auto Body takes over from there — coordinating coverage confirmation, claim approval, and scheduling your repair.
Polos Auto Body Collision
7813 South Broadway, Los Angeles, CA, USA
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.