Understanding Your Auto Insurance Claim After a Collision

By Auto Body Unlimited | January 20, 2025 | Insurance & Claims

Navigating an insurance claim after an accident can be confusing. Here's what you need to know about deductibles, diminished value, and your rights.

Liability vs. Collision vs. Comprehensive Coverage

Liability covers damage you cause to others. Collision covers your vehicle in an accident. Comprehensive covers non-collision events like hail and theft.

How the Deductible Works

Your deductible is the amount you pay out of pocket. If repairs cost $3,000 and your deductible is $500, insurance pays $2,500.

The Estimate and Supplement Process

Initial estimates are often incomplete. Hidden damage found during repair is submitted as a supplement — completely normal for significant collision damage.

Your Right to Choose Your Own Shop

Illinois law gives you the right to choose any licensed repair facility. You are never required to use an insurer's preferred shop.

Diminished Value: The Hidden Loss

A repaired collision vehicle is worth less than an identical undamaged one. In Illinois, you may be entitled to a diminished value claim against the at-fault driver's insurance.

Total Loss: When the Math Doesn't Work

A vehicle is totaled when repair costs exceed roughly 75–80% of its actual cash value. You can negotiate the ACV with evidence of comparable vehicles.

How Auto Body Unlimited Helps

We handle supplement negotiations, document all damage, and advocate for quality repairs. Call (630) 964-9694 for a free estimate.