CALL CHARLIE • INSURANCE DENYING PROPER REPAIRS
The Insurance Company Is Cutting Corners on Your Repair. You Don't Have to Accept It.
Your vehicle deserves a safe, complete repair — not the cheapest one.
If your collision center told you the insurance company won't pay for the full repair — won't approve OEM parts, won't pay for required procedures, won't cover scanning and calibration — you're not alone. This is the most common dispute in collision repair. The insurance company writes an estimate designed to control costs. The shop writes an estimate designed to fix the car correctly. The gap between those two numbers is the fight — and it's a fight most vehicle owners don't even know is happening.
What the Carrier Won't Tell You About Your Repair
Insurance companies routinely deny or underpay for: OEM (manufacturer) parts in favor of cheaper aftermarket alternatives, ADAS calibration (cameras, sensors, radar) required after structural or glass repairs, blend and refinish operations required for a proper color match, scanning — both pre-repair and post-repair — required by every major automaker, and repair procedures specified by the vehicle manufacturer. Each of these denials saves the carrier money. Each one compromises the quality and safety of your repair.
Your Right to a Proper Repair
Every vehicle manufacturer publishes repair procedures that specify exactly how their vehicles should be repaired after a collision. These aren't suggestions — they're engineering specifications backed by crash testing and safety data. When an insurance company tells a shop to skip a procedure or substitute a part, they're overriding the manufacturer's engineering. You have the right to demand that your vehicle be repaired according to the manufacturer's specifications.
How a Repair Dispute Appraisal Works
When the insurance company's estimate doesn't cover the actual cost of a proper repair, a certified independent appraisal documents what the repair should cost — line by line, operation by operation, citing the manufacturer's procedures and the estimating database's own rules. This creates an evidence-based document that the carrier, an umpire, or a regulator can evaluate. It transforms the dispute from "the shop wants more money" to "the manufacturer requires these procedures."
Why People Say, “Call Charlie”
I’ve spent more than 25 years in the collision repair industry watching insurance companies underpay vehicle owners. I started Collision Claims Advisors because people deserve someone in their corner who knows the game.
Call Charlie.
Clarity. Strategy. Results.
Call Charlie: 877-587-3040
Real Cases. Real Numbers. Real Wins.
These are actual client outcomes — documented, certified, and settled.
Mazda CX-5
They Said “Just a Bumper Job.” The Reality Was Structural Damage.
Insurer's Estimate
$4,732
Appraisal Agreement
$22,342
+$17,610
Additional recovery — 372% more
Total Loss — Appraisal Clause Exercised
The Insurer Undervalued the Vehicle. The Umpire Didn't.
Insurer's Offer
$18,819
After Appraisal
$25,837
+$7,018
Additional recovery — 37% more
2022 Mercedes-Benz GLB • Scottsdale, AZ
State Farm Approved the Full Diminished Value Amount.
Without CCA
$0
Full Payment Approved
$5,439
$5,439
Recovered — full amount approved
Frequently Asked Questions
Can the insurance company force me to use aftermarket parts?
In most states, the carrier must disclose the use of aftermarket parts and you have the right to request OEM. Some states require your written consent for non-OEM parts. Check your state's aftermarket parts disclosure laws — and tell your shop you want OEM.
My shop says the insurance company won't pay for scanning. Is that legal?
Every major automaker requires pre- and post-repair scanning. The estimating databases (CCC, Mitchell, Audatex) classify scanning as a "not-included" operation — meaning it's legitimate to charge for it separately. Carriers deny it to save money, not because it isn't required.
What is the appraisal clause and can I use it for a repair dispute?
The appraisal clause in most policies covers disputes over the "amount of loss" — which includes repair costs. If the carrier's estimate doesn't cover a proper repair, invoking the appraisal clause brings in independent appraisers and, if needed, a neutral umpire to determine the correct amount.
I'm a shop owner. Can CCA help my customers with repair disputes?
Absolutely. We partner with collision centers to provide independent appraisals for repair disputes, total loss challenges, and diminished value claims. Your customer gets a fair outcome, and you get paid for the repair the vehicle actually needs.
Ready? Let's Figure Out What You're Owed.
Use the free claim check below or call 877-587-3040.
Your Vehicle Deserves a Proper Repair. Let's Make Sure It Gets One.
Every day you wait, evidence fades, deadlines move closer, and the insurance company counts on you doing nothing.
Call Us Now
877-587-3040
Talk to a real person.
Check My Claim Free
Find out if you have a claim
in under 2 minutes.
Schedule a Free Consult
Pick a time that works.
Spots are limited.
Call Charlie.