Insurance Help

At Dorn’s we work well with all major insurance companies such as State Farm, Allstate, Progressive, USAA, Nationwide, Chubb, Erie, Travelers, Ameriprise, Liberty Mutual, The Hartford, National General, Met-Life, Kemper, Selective, Safeco, Southern Insurance, Farmers, Alfa, Virginia Farm Bureau, Elephant, Auto Owners, Esurance, and many others.

We work with all insurance carriers to insure that your vehicle is returned to you in its “pre-loss” OR “pre-accident” condition. Sometimes there are instances such as deductible(s), betterment(s) or wear item(s), where your insurance carrier will require you to accept a portion of the final cost. This is something that should be mutually agreed upon by you and your carrier from the beginning of the repair process.

What is Betterment?
What are Wear Items?

Some insurance carriers do not understand the complexities of today’s newer vehicles and in some cases take a stand that “One size, one price fits all vehicles.” If only this were true!  Vehicles vary in cost from year to year and model to model, so it would only make sense that the repair costs and repair times would very as well. With EPA mandates of 53.5 MPG in 2025, vehicle manufactures must “lighten” the vehicle with Ultra High Strength Steels, Aluminum, Carbon Fiber or mixtures of all of these.

Complexities in vehicle technologies create variables in repair times, procedures, correct certified equipment and the cost to repair. Technology is changing at light-speed and, unfortunately, many shops and insurers are still repairing vehicles the same way that they did 5-10 years ago. This why we want you to know what we are doing and more importantly WHY we are doing it. The wrong parts or the wrong procedure and your vehicle’s safety system (Air-Bags/Supplemental Restraints) may not work or may not be timed correctly. This causes  more potential harm to you or your family.

Keep in mind, most insurers understand these principles and allow for the time and expenses to make sure that the vehicle is repaired correctly. Conversely, there are some carriers simply look for body shops that will “cut corners” or agree not to perform all of the OEM procedures as required. It doesn’t mean that the shops have bad intentions; in most cases these shops (even Dealers and Multi-Store Chains) are untrained and simply do not know what they are doing is wrong or even dangerous.

Repair shops are pressured by these carriers to keep costs low and rush the repair. Those same carriers know that the fault and burden (Liability) will fall on the repair shops’ shoulders if and when it fails and not on their pocketbooks.

At Dorn’s we also want to keep costs low, because this benefits everyone. However, we will not compromise safety, quality and procedures for low prices. The good news is that there are many carriers who still believe in doing the right thing for the claimants and insureds.

Again, not all insurers employ these deceptive practices just as not all body shops are the same. We consistently hold classes for insurance carriers and their staff to make sure that they know the latest advances and what we must do to safely get you back where you were you were before the loss. Education goes a long way! This is all the training that some of these adjusters/estimators will receive in a given year.