My Insurance Quoted Me Less

In our business there’s a lot of moving factors. It’s not always possible to predict how long the parts will take to get to the shop, when your adjuster can make it out to look at the vehicle, or how much money your insurance company will feel justifies the cost of the repair. Sometimes, your insurance company will write an estimate that’s below the price of the estimate you receive from our shop, or whichever body shop quoted you for repair. This can be alarming, but there’s no reason to worry. 

If you came to our shop and received a quote that was more costly than what your insurance offered, this likely due to a couple of different items. The first, is that your insurance company writes for what they can see. All initial estimates are written without the assumption that there are any damages above and beyond what can be seen by the eye. This is often not a full estimate, as there is likely damage behind what you can see and will require supplements or further billing to your insurance.

The second reason you may have a low estimate, is the type of parts your insurance company wrote your estimate for. Often times insurance companies will write estimates with used or recycled parts to save money. This can be negotiated, within reason. We are lucky to reside in a state that allows you to request your preferred parts be installed on your vehicle, depending on the year. Check your insurance policy and state laws to be sure.

 Another reason your insurance estimate may be lower than you’ve been quoted, is due to the rates that they are hourly paying for repair. In the state of Minnesota, for repairs that are going through insurance we must start at their rates, but we will attempt to supplement your insurance to secure what we require hourly for the repairs. If this doesn’t work, there may be some out of pocket cost to you, but there will always be a conversation before we charge you for anything. 

Occasionally your insurance estimate is less costly than ours could be due to the operations on your estimate. We aim to replace only what needs to be replaced, and to repair parts that are not damaged beyond repair. Often times, your initial estimate is written without the knowledge that parts are damaged beyond possibility of repair. In those cases, to protect and preserve the integrity of your vehicle, we will opt to replace instead of repair.  

Our goal is to repair your vehicle to pre accident condition. This is something we do every day, we have the experience to work with your insurance and take an unwanted stressful experience and turn it into something easy. We aim to do so while also keeping repairs at a cost your insurance agrees to. If you’ve received an estimate that is different than ours in anyway, please bring the estimate into our shop so we can negotiate and find a way to accomplish your repair!

Aftermarket or OEM Windshield?

One of the downsides to having a vehicle you love and want to take care of is how often accidents happen. We’re specifically thinking about how often rocks fly up from a vehicle in front of you on the highway and put an unfortunate chip in your windshield. It happens, but what do you do when you either have too many, they’re in your line of sight, or if the whole thing is damaged beyond repair?

Insurance companies occasionally make demands that you may not agree with, but one of the best perks of living in Minnesota is a law that requires the vehicle owner’s explicit approval to replace OEM parts with Aftermarket ones. As an auto body repair facility, we don’t take a stance against or for either OEM or Aftermarket ones, but we will tell you the difference so you can make an informed decision as a consumer.

An Aftermarket windshield has many pros and cons just as an OEM one does. They meet the same requirements that OEM ones do for safety standards dictated by the Department of Transportation. This is often the more cost-effective option when replacing a windshield and are easily attainable. The windshield is a safety-related part, as it structurally supports your vehicle. Due to this, and the fact that aftermarket parts often differ in slight ways, you need to be entirely sure when selecting your glass. A very attentive vehicle owner may notice minimal differences in color, waves and the unfortunate situation of leaking, though this is the exception not a rule.

OEM windshields are identical to the windshield your vehicle came with when it was first manufactured. These windshields have their own list of pros and cons, the largest and possibly only con being the expense. A brand new windshield from your dealership will be much more expensive than an aftermarket option, and may still not be from the same manufacturer as your original piece of glass as most vehicle manufacturers sublet out their glass production.

It is important to be informed before making any decisions involving your vehicle, especially when it comes to a piece as important as the windshield. In the event your insurance company denies an OEM part and you feel strongly about it, most companies can find a way to supply you with the OEM part if you pay the difference in price. We can steer you in the right direction should you need it! If you have any questions about which type of part should be installed on your vehicle, or which company we recommend for windshield install/repair, you can always reach out to one of our employees. We are always here to help!

 

Dangers in Summer Driving

Summer is an exciting time of year. The sun is out, the cabin is open for the season, and hopefully the boat is out on the water. There’s a whole bustle of activity out there, and that’s not always a good thing. Everyone wants to be outside, which means there’s a much larger population of drivers on the road. That being said, it makes sense that summer is the most common time of the year for traffic accidents to occur. 

In the summer, we often see accidents due to construction zones. Especially in Minnesota, which should be renamed the Land of 10,000 Construction Projects, we spend most of our spring and summer avoiding construction. Presently, most of the metro is under construction. Before you take any trips, or have to drive somewhere unfamiliar, look up what construction is between you and your destination, and do your best to avoid it. Torn up concrete and debris can wreak havoc on your vehicle. Expensive havoc.

It’s in our best interests to remain vigilant while driving and pay attention to the road, which brings me to our next biggest cause of accidents; Distracted Driving. Set the right example for your family and keep your phone put away while you’re driving. Pay attention to the road, and make sure that whoever is in the car with you understands how seriously you take the safety of yourself, and theirs. In the world of apps and fancy smartphones, it’s almost inexcusable to be on your phone while driving. Applications now have safety features that include “drive mode” as well as most Apple updates for iPhones. 

Another thing to be conscious of as this summer heats up, is the condition of your tires. Tire blowouts are another one of the most common accidents we see in the summer. As the temperatures rise, bald tires are affected and their chances of blowing out under stress is much higher. This can cause damage to your vehicle, and others if uncareful. 

July and August hold the highest accident rate in our country, August taking the cake. Auto accidents kill more than 40,000 people in the United States a year! It is the leading cause of death in people under the age of 34. Every time you get into your vehicle, you’re risking your life, and the lives of those around you. We hope that you do so in the most informed manner possible. Accidents happen, and we are always here to assist you with any vehicle repairs or questions you may have. 

3M Clear Guard

It wasn’t long ago that protecting your paint job meant installing strange looking vinyl wings to your vehicle, that often left damage from the install. We live in a crazy world and now have the option of putting a sticky clear plastic sheet across the front of our vehicles that will alleviate the rock chips and scratches you would otherwise see in your travels. These clear bras are extremely subtle, and hard to spot unless you’re looking for it. There are numerous different varieties out there, but the clear bra we use at our shop is 3M, which is the best on the market.

Clear film is a great option for vehicle owners that just had their paint done, or are looking to keep a new vehicle looking like new. It’s best installed on high-risk areas of your vehicle, like the front bumper, hood or mirror backs. The films are easy to install, and can be done on site at our shop. They have a multitude of benefits, such as things like yellowing resistance, clarity and self healing technology. 3M originally designed this product to keep helicopter blades running longer, which earned it the nickname of Helicopter tape. However, this product was much heavier and less pliable than what is currently available on the market today. This product isn’t for everyone, or every vehicle. Some people don’t mind the rock chips, or have them already and aren’t interested in repainting their vehicles. Even if you have rock chips, you can get a clear bra installed on your vehicle to protect it from future chips. It does typically run a little expensive depending on where you go to have it done, and how much is being done. We work with our customers to ensure they receive the best value for their money, and can offer advice on what parts of your vehicle could use the clear shield the most.

At Oakdale Collision, we are dedicated to our customers and stand by our products. We want to provide the best experience possible, so if you have questions or would like a quote on clear guard for any portion of your vehicle, give us a call today! 

Winter, All Season or Summer Tire?

There are three main categories of tires on the market for your daily driver, all season tires, winter tires, and summer tires. Each type of tire has its own pros and cons, but when compared collectively, the most important thing to consider is the climate you deal with on your day to day. You want to ensure that you’re purchasing the most effective tire for your time, efforts, and for expense! Lets face it, tires are expensive!

Winter tires are the extreme of the three tires, and the best for living in a place like Minnesota. While you will fair alright with all season tires, for a driver inexperienced in heavy snowfall, we highly suggest the purchase of a true winter tire. They feature tread rubber, heavier depth with heavier patterns, and strong edges to cut into the snow.

• Tread Rubber: in all season and summer tires, tread will stiffen in cold temperatures inhibiting the proper traction. Winter tires see tread that is designed to remain flexible regardless of temperature.
• Tread Depth and Patterns: in winter tires, you see a more unique tread pattern or deeper divets in the tread to channel snow and slush, while also expelling water. Summer tires and all season tires have shallow tread and fewer patterns as it’s not an essentially part of driving in warmer weather.
• Biting Edges: Winter tires also have higher sipe densities, which is tiny slits in the tread providing higher traction on ice. 

Typically when you purchase your vehicle and drive it off the lot, they’re outfitted with all season tires. All season tires were designed to provide year-round performance, making them an extremely popular choice. They are versatile and designed to function well on wet roads and in light winter driving. If you’re looking for tires that will allow you to drive year round without any extreme winters or storms, these are the ones you want.

All season tires are the compromise between winter and summer tires, meaning they have to compromise certain attributes. They don’t provide the same grip or handling of a summer tire, or the same ice capabilities of a true winter tire. Just like with your footwear, you’ll want the more extreme of the three based on what the conditions are outside. Nobody wants to wear flip-flops in a snowstorm or snow boots during a heat wave! The choice to purchase an all season tire should be made when you live in a moderate climate, free of extreme cold or ice, and free from extreme heat in the summer. In the event that your tires are ineffective in a storm, and you potentially ding up your vehicle, we’re here to help!

Remanufactured or Aftermarket Parts

Let's talk about remanufactured and aftermarket parts for a repair on your car. 

An aftermarket part is any part for a vehicle that’s not sourced from the vendor or cars maker. These, in some cases, can alter or even void the existing warranty you have on your car. Some companies create aftermarket parts that function the same as the preexisting part, and sometimes they can alter the way your car operates. The goal with an altered part is for either curb appeal or to improve the way your vehicle operates. These differ from Original Equipment Manufacturer parts specifically because they’re not created by the same vendor.

Aftermarket parts have many pros such as being less expensive than OEM, there’s a larger variety available, and you can pick them up at any parts store or the local mechanic in your area. While all of this is appealing if you know the ins and outs of the part, you’re also facing quite a few reasons you wouldn’t want an aftermarket part. They can be inferior parts because they’re not regulated the same way as OEM parts. You’re literally “getting what you pay for” because the cheaper they are, the more likely they are to be lower quality. That doesn’t always ring true, but in this case you have a higher chance of finding a poor quality part as opposed to purchasing directly from your dealership. There’s also a ridiculous amount of parts available in today's market, so unless you’re familiar with a specific vendor, it can be hard to make a choice. These parts also don’t often come with a warranty, which is part of why they are so cost effective.

On the other hand, a remanufactured part is a part that was completely remanufactured to the standards set by the vehicle manufacturer. This process can be performed in many different ways, but often includes re-machining the part to match the original tolerances, durability and quality. They include a warranty, which cover the part and labor for longer periods of time than you’d find with an aftermarket parts. These are commonly preferred over aftermarket, but you’re going to find ones that match your vehicles specifics as opposed to finding ones that add flare to your vehicle.
In the long run, if you have questions about the type of parts you should use on your repair, it's always a good idea to ask a professional.