2985 Husband Rd. Paducah, KY 42003
Just Off I-24 Exit 11


FAQ's - Frequently Asked Questions


Who pays for the repair of my vehicle?

If the damage to your vehicle is a result of your error and you have comprehensive and/or collision damage, then your insurance company pays for the repairs (less your policy's deductible). You are responsible for paying the deductible amount directly to the repair facility.

If the damage to your vehicle is a result of the error or negligence of someone else, then their insurance company is responsible for paying the full amount of the repair costs.

Who guarantees the repairs to my vehicle?

The collision repair facility guarantees its own work. An insurance company or other third-party cannot effectively guarantee the quality, thoroughness, and craftsmanship of the repairs.

Can I select the facility that will repair my vehicle?

Yes-the choice is entirely yours. An insurance company may make a recommendation, but they cannot force you to take your vehicle to a facility of their choosing.

My insurance company recommended their Direct Repair Shop, why should I choose you instead?


DRPís are not chosen for their ability to perform high quality work.  Rather, insurers choose these shops to work with based on the amount of concessions and discounts they are willing to give them in exchange for a referral.  In effect, these shops see the insurer as their customer instead of the vehicle owner.  Given the choice, most will favor the insurer in order to keep referrals coming in the door instead of being completely honest with the consumer.  There are many ways DRP shops favor insurers. As an example, many of the agreements and contacts that shops sign so they can participate in these programs mandate that they overlook certain damages that would not be blatantly obvious to an untrained eye.  It would not be uncommon for them to try to talk you into accepting an appearance allowance that represents an amount less than the actual cost of repairs to forgo repair of some damaged panels or parts. This would often be presented to you in such a way as to convince you they are doing you a favor.  Reality is, whether or not you get your car repaired, you are entitled to full value for the cost of repairs that restore your property to its preloss condition.


Do I need to get three estimates?

No, there is no law requiring three estimates. You have the right to have your vehicle repaired at the repair facility of your choice.

If you are dealing with a private party or an insurance company that does not have a local office, it may expedite your repair /claims process to obtain two estimates. Do not obtain an estimate from any collision repair service that you would NOT want to repair your vehicle.

If my vehicle's frame is damaged, is it a total loss?


No. A car is a total loss only when the price of repairs exceeds the insurance company's determined value of your vehicle. Nowadays, most cars are built using unibody (frame and body as one) construction. Our highly skilled technicians, with the aid of our state-of the-art computer measuring system, can return your vehicle to its original factory specifications. If it is determined that the frame section is bent beyond repair, that section can simply be replaced.


Can you match the paint color?


Today's modern factory finishes incorporate multiple layers of highly specialized paints. We have made a major investment in the finest paint system available and constantly upgrades its technology and equipment to ensure that each vehicle's paint matches. We take special pride in our ability to match factory finishes as the final step in the restoration process.


What about after-market or "replacement quality" parts?

Original equipment manufacturer's (OEM) parts made by the manufacturer of your car are generally better quality, better fitting, and have better corrosion protection capabilities. Depending on the age and condition of your vehicle, there may be some sound economic reasons to use after-market parts in the repair. The decision should always be yours; however, many insurance policies are being rewritten to give the insurance company the sole right to make this economic decision. Make sure you know the terms of your policy in this area.

How can I get a rental car?


If you need a rental car, we can help you make the necessary arrangements. Insurance companies will only pay for a rental car if you have that option on your policy or if you are the claimant. Check your policy and/or call your insurance company to find out if you have rental coverage and what your specific limitations are.


Is there a warranty on the repairs to my vehicle?

Yes. We guarantee all repairs with a warranty.

Do I have to pay a deductible?

The amount of deductible that you will be responsible for is determined by your insurance policy. If you carry broad collision and you were not at fault, your insurance company most likely will waive your deductible. Insurance companies determine fault by your account of the accident when you make the claim and by reviewing the accident report filed with the police department. If you aren't sure about your deductible, you can call your agent and he can tell you whether your insurance company has waived your deductible or whether you will be responsible to pay this when you pick up your vehicle.

Who do I pay my deductible to?

If your deductible is not waived, it will be your responsibility to pay us when you pick up your vehicle. If you aren't sure about your deductible, you can call your agent and he can tell you whether your insurance company has waived your deductible or whether it will be your responsibility.

What forms of payment do you accept?

Cash and checks are always welcome.  

Why did another body shop provide an estimate that is different from yours?

Differences in repair estimates are quite common. There are three primary estimating systems used by collision repair services and insurance companies: Mitchell, CCC, and ADP. Each of these systems break down labor operations differently and frequently use different material allowances for similar operations.

The biggest reason for estimate differences is that one estimate may not include all the required steps and processes. If you have any questions, Jeff's Auto Body will go over any insurance company estimate or estimate by another repair service with you-line by line.

We want you to have all the information you need to make informed decisions about the repair of your vehicle.

Can I wash my car?


DO: Wash the vehicle by hand with cool water and a very mild car wash solution using a soft cloth or sponge. Always use clean fresh water. Wash your vehicle in the shade.

DON'T: Do not use a commercial car wash. Stiff brushes or sponges could mar the finish and damage the surface. Do not "dry wipe" your vehicle. Dry wiping can scratch the finish. Do not drive on gravel roads. Chipping the finish is easily done in the first 30 days. Avoid parking under trees and utility lines which are likely to attract birds. Bird droppings have a high acid content and will damage a freshly painted surface. Also, tree sap can mar or spot a freshly painted surface. Do not spill gasoline, oil, antifreeze, transmission fluid, or windshield solvent on the new finish. Do not scrape ice or snow from the newly painted surface.  


DON'T: Do not wax or polish the vehicle. This will allow the finish to dry and harden completely.