Insurance

Trusted auto body and collision repair shop in Melvindale, Detroit, Dearborn, and Downriver.

Insurance Companies

Here at B&K Collision, we work with most insurance companies. Whether you’re from Michigan or out of state, we should be able to work with your insurance company. If your insurance company isn’t listed below, give us a call to see if we work with them.

Some insurance companies may suggest that you take your vehicle to one of their collision shops. However, YOU get to choose where you want your vehicle repaired at and they cannot deny your choice.

Insurance companies we work with include:

AAA
Allstate
Auto Owners
Bristol West
Citizens
Hanover
Farm Bureau

Farmers
Fleet companies
Frankenmuth
Geico
Liberty Mutual
Meemic
National General

Nationwide
Progressie
dafeco
State Farm *
Travelers
USAA

*We are a direct repair shop for State Farm insurance and may be a suggested shop of choice by them*

Mini Tort

Don’t have full coverage, but not at fault for the accident?

Talk to your insurance company about filing a mini tort against the other party’s insurance.

File a police report and submit it to insurance
Get a claim number from the other party’s insurance
Get an estimate from us to send to the insurance (we can also send the estimate if you have the claim information)

Are you being charged your deductible, but you’re not at fault for the accident?

File and submit a police report
Ask your insurance to go after the other party’s insurance to cover your deductible

What’s the maximum payout for a mini tort claim?

The maximum payout for a mini tort claim is $3,000.

MI Mini Tort FAQS

Insurance FAQs in Michigan

Were you hit while driving?

You are responsible for filing a claim through YOUR insurance. Once you receive a police report, you can then go after the other party’s insurance to cover your deductible.

Was your vehicle hit while parked?

If you are lucky enough to get the other party’s insurance information, you will file a claim through THEIR insurance and it will be covered in full.

Will I have a deductible?

Talk to your insurance, as every plan and every accident is different. Generally, if you have a police report and are found not at fault for the accident, your deductible should be waived and/or taken care of by the other party’s insurance.

Will an accident affect my rates?

Talk to your insurance agent about this

Do I have rental coverage?

Talk to your insurance agent to see if it is on your policy. If not, we have free loaner vehicles we can put you in to accommodate you while your vehicle is in for repairs.

Will insurance write for all brand new parts?

Review your policy, as everyone is different. If your policy states that only OEM parts be used, then yes your vehicle will receive all new parts. If not, your insurance company can source used and aftermarket parts, if available.

*Please note that we will try and get a dealer to price match any used or aftermarket price in order to try and get you brand new parts.

What if my insurance company says I have to take it to one of their shops?

You can let them know that it is illegal for them to make you get your vehicle repaired at one of “their shops” - this is called steering.

They may try and tell you that things will not be covered by them under warranty, but do not worry. We offer a lifetime warranty on all repairs and paint, while parts generally have a 6-12 month warranty no matter who repairs the vehicle

Do we waive deductibles if the insurance company does not?

This is on a case by case basis, but yes we can help lower or cover the cost of your deductible. We will need an approved insurance estimate and to see your vehicle in person to determine how we can help lower/waive your deductible.

What is the differences between collision and comprehensive car insurance.

LEARN MORE >