DEDUCTIBLE ASSISTANCE AVAILABLE FOR QUALIFIED REPAIRS
FAQS
Dealing with hail damage or a collision repair can feel overwhelming — especially when you’re also navigating an insurance claim for the first time. We put together this page to answer the questions we hear most often from drivers in Englewood, Denver, and the surrounding Denver metro area. Whether you’re wondering how long repairs take, whether your insurance covers it, or if you even have to use the shop your insurance recommends (you don’t), we’ve got straightforward answers below. And if you don’t see what you’re looking for, give us a call at (303) 815-3854 — we’re happy to walk you through it.
If your deductible is $500 or less, you may owe nothing out of pocket on qualifying repairs. If your deductible is higher than $500, you would be responsible for the difference. We’ll be upfront about your exact costs before any work begins.
No. Our deductible assistance program does not alter your claim, inflate estimates, or affect your coverage in any way. It is simply a discount we offer qualifying customers.
Yes, when done correctly and in compliance with Colorado insurance laws. David’s Hail & Collision operates fully within state regulations. We never engage in fraud or misrepresent repair costs to your insurer.
Deductible assistance is available for qualifying hail damage and collision repairs that are being processed through an insurance claim. Call us at (303) 815-3854 to check your eligibility — it only takes a minute.
Deductible assistance means David’s Hail & Collision covers a portion of your insurance deductible — up to $500 — for qualifying repairs. Instead of paying your full deductible out of pocket, we apply a credit toward it when you bring your vehicle to us.
Once a claim is filed and an adjuster has assessed the damage, most approvals come through within a few days. Supplements for additional damage can add time. We stay in communication with your insurer throughout to avoid unnecessary delays.
If your insurance company determines the repair cost exceeds the vehicle’s value, they will offer a settlement rather than repair. We can walk you through what that means and help you understand your options before accepting any offer.
Yes, and we recommend it. OEM parts are made specifically for your vehicle and ensure proper fit, finish, and safety. We advocate for OEM parts on your behalf during the claims process.
This is very common. Insurance companies frequently underwrite their initial estimates. We negotiate directly with your adjuster and submit a supplement — with supporting documentation — to get the full scope of repairs approved.
You’ll need your insurance policy number and carrier name, the date and location of the damage or accident, and a photo of the damage if possible. If you’ve already filed, just bring your claim number and we can get started immediately.
We can file the claim on your behalf. All we need is your insurance carrier information and the details of the incident. We handle the paperwork so you don’t have to navigate the process alone.
Yes. David’s Hail & Collision stands behind our work. Ask us about our warranty coverage when you bring your vehicle in.
Yes. We work with all major insurance carriers and handle the estimate, documentation, and communication on your behalf. You provide the claim number and we take it from there.
This happens regularly — not all damage is visible during the initial estimate. If additional damage is discovered, we contact you and your insurance company to get a supplement approved before proceeding. You won’t be surprised by hidden costs.
Yes, when repairs are done correctly. We use advanced paint matching technology and factory-approved repair techniques to restore your vehicle’s appearance and structural integrity to pre-accident condition.
No. Colorado law gives you the right to choose any repair facility you trust. Your insurance company cannot legally require you to use a specific shop or penalize you for choosing your own. David’s works directly with all major insurance companies.
Repair time depends on the extent of damage, parts availability, and insurance approval. Minor repairs can be done in a few days. Major structural or frame damage can take one to several weeks. We’ll give you a delivery estimate once we’ve completed our damage assessment.
Insurance checks are typically valid for 180 days, but your estimate is based on current labor and parts rates — waiting can result in higher costs. The sooner you schedule, the smoother the process.
Generally, no. Paintless dent repair does not involve replacing panels or repainting, so it typically does not get recorded on a vehicle history report. This helps preserve your car’s resale value.
If you have comprehensive coverage, the repair cost is typically covered by your insurance minus your deductible. The average full-vehicle hail repair in the Denver metro area runs anywhere from $3,000 to over $9,000 depending on severity — but your out-of-pocket is limited to your deductible, which David’s can help offset through our deductible assistance program.
Your insurance policy includes an “unrepaired damage waiver.” Any previously paid but unrepaired damage will be deducted from future claims on the same vehicle. It’s also worth noting that insurance companies often underwrite their initial estimates — waiting can cost you more in the long run.
Most hail repairs are completed within a week. More extensive damage requiring conventional repairs may take longer, especially if parts need to be ordered or if your insurance adjuster needs to approve a supplement. We’ll give you an estimated timeline upfront.
PDR is a technique where technicians carefully massage dents out from behind the panel without sanding, painting, or replacing parts. It preserves your factory finish and vehicle value. Most hail damage qualifies for PDR, unless the paint is cracked or the dents are too severe — in those cases, conventional repair is used on those specific areas.
No. You have the legal right under Colorado statute 10-4-618 to choose any licensed repair shop you want. Your insurance company cannot force you to use their preferred shop or threaten to deny your claim if you don’t.
No. In Colorado, hail damage is filed under comprehensive coverage, which is classified as an act of nature. By law, insurance companies cannot raise your premiums for a comprehensive claim. Getting your vehicle repaired will not affect your rates.