Understanding the Insurance Claim Process After a Collision

A car accident is stressful enough. Dealing with insurance claims shouldn’t add to the burden. Yet many drivers feel confused or pressured when it’s time to get their vehicle repaired. Here’s the good news: in New York State, the law is on your side. You have the right to choose where your car gets fixed—no matter what your insurance company says.

You Have the Right to Choose Your Repair Shop

Some insurance companies may try to steer drivers toward a specific body shop. But under New York State law, you are not required to go where they recommend. It’s your car, your choice.

The Risks of Letting Insurers Choose for You:

• Preferred shops often use aftermarket (non-OEM) parts

• Repairs may be rushed or done by less experienced technicians

• Shops may prioritize the insurer’s budget over your safety

Choosing a trusted, experienced facility like Castle Collision ensures the job is done right the first time—with safety, quality, and long-term performance in mind.

Castle Collision Works with All Insurance Companies

One of the biggest concerns after a crash is how to deal with insurance. Castle Collision works directly with all major insurance carriers, helping take the pressure off your shoulders.

What That Means for You:

• Detailed, insurance-ready estimates

• Direct communication with adjusters

• Quick updates so you’re never left guessing

• No surprise paperwork—just clear steps forward

Their experience with every major insurer means fewer delays, less stress, and better results.

Protect Yourself: Don’t Sign Away Your Options

After an accident, your vehicle may need towing. If a tow truck arrives, ask exactly where your car is going—and be cautious about anything you’re asked to sign.

• Only sign a Right to Tow form

• Do not sign a Right to Repair 

Signing a Right to Repair can lock you into a shop you didn’t choose. If your car ends up somewhere you didn’t authorize, Castle Collision can arrange to pick it up and bring it to their shop instead.

Don’t Fall for the Out-of-Pocket Myth

Some insurers will warn you that using a non-preferred shop will cost you more. That’s simply not true. As long as the repair quote matches industry standards, you will not be penalized for using the shop you trust.

In fact, choosing a reputable shop can prevent future issues caused by poor repairs—saving you money down the road.

What to Expect from a Quality Collision Repair Shop

When you bring your vehicle to a trusted facility like Castle Collision, you’re getting more than just a repair—you’re getting peace of mind. A high-quality shop will:

• Conduct a thorough damage assessment

• Use proper structural repair techniques

• Match paint with precision and care

• Perform detailed post-repair inspections

These steps may seem basic, but they’re often rushed or skipped at shops that focus on volume over quality. The difference is noticeable—in how the car drives, how it looks, and how long it lasts.

The Importance of Quality Repairs and OEM Parts

OEM (Original Equipment Manufacturer) parts are designed to match your vehicle exactly. They offer better safety, fit, and durability than cheaper alternatives. A shop that uses OEM parts helps protect your car’s value and your peace of mind.

Learn more in Castle Collision’s post on why OEM parts matter.

Get Back on the Road with Confidence

After a collision, your focus should be on getting life back to normal. Let Castle Collision handle the insurance and repair process so you can move forward.

Need help with a claim or want your car evaluated? Call 800-246-3368 or reach out via the contact form. Their team is ready to help—wherever your car is.