Getting into an accident is stressful enough, but dealing with insurance afterward? That’s where a lot of drivers really start to feel the headache. Between confusing paperwork, back-and-forth calls, and figuring out where to bring your car, it can all feel overwhelming. The good news? Once you understand the basics, you’ll see it’s not as scary as it seems.

Here’s what every Bronx driver should know when it comes to insurance and collision repairs.

📝 1. You Don’t Have to Use the Insurance Company’s “Preferred Shop”

Insurance companies often recommend a repair shop, but here’s the truth: you have the right to choose where your car gets repaired. Don’t feel pressured to go anywhere other than the shop you trust.

📝 2. Always Get a Detailed Estimate

A quick once-over won’t cut it. Make sure your collision repair shop gives you a written estimate that covers parts, labor, and paint. This protects you if there are any questions later on.

📝 3. Know the Difference Between OEM and Aftermarket Parts

Your insurance policy might only cover aftermarket parts (non-original), but you can often request OEM (Original Equipment Manufacturer) parts. They fit better and are built to factory standards — meaning safer repairs.

📝 4. Frame and Structural Repairs Matter Most

Cosmetic fixes are nice, but safety comes first. Make sure your shop checks for frame damage and structural alignment. A car that looks good but drives poorly isn’t truly repaired.

📝 5. Communication is Key

Insurance adjusters, repair shops, and drivers all need to stay on the same page. A good repair shop will handle most of the back-and-forth with your insurance so you don’t have to stress.

🚘 Final Thoughts

Navigating insurance after an accident can feel like a maze, but you don’t have to go through it alone. The right shop makes all the difference — not just in repairing your car, but also in reducing the stress of the process.

👉 At D & M Auto Repairs in the Bronx, we work directly with insurance companies every day. We’ll fight for quality repairs, keep you updated every step of the way, and get your car back to pre-accident condition. Call us today at (718) 792-6887 to schedule your collision repair estimate.