Insurers frequently reduce repair estimates by specifying non-OEM parts, refusing required diagnostic scans, and short-paying body shop labor. Texas policyholders are entitled to a repair that actually restores their vehicle to pre-loss condition — not the cheapest version of one.
Non-OEM structural and safety-related parts get substituted to cut cost, sometimes against manufacturer repair procedures.
Pre- and post-repair scans and ADAS recalibration — required on most modern vehicles — get cut from estimates entirely.
Body and paint labor rates get capped below what local shops actually charge, leaving a documented shortfall.
Hidden damage discovered during teardown gets disputed or ignored instead of added to the estimate.
You have the right to choose your own repair shop — an insurer cannot require you to use their preferred network. When your shop's estimate and the insurer's estimate disagree by a meaningful amount, that disagreement can be resolved through the same appraisal process used for total loss disputes.
We compare your shop's estimate against the insurer's line by line to identify what's missing or underpaid.
We work with your shop to document required procedures, OEM position statements, and hidden damage found during repair.
We invoke the appraisal process where warranted to force a binding resolution on the disputed repair amount.
Flat-fee pricing, agreed upfront based on claim type. Free initial review — no obligation.
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