My insurance company said I have to go to a specific shop, is that true? ...

No, it’s your choice as to where your vehicle is repaired. We will work directly with your insurance company to repair your vehicle. Empire is recognized by all insurance companies. We will return your vehicle to its pre-accident condition.

Do I need to pay a deductible, and if so who should I pay it to? ...

Your deductible is determined by your insurance policy. Deductible payments should be made to Empire Auto Experts. If another party’s insurance company is paying for your repairs, you are not subject to a deductible.

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. Most cars are built using uni-body 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.

Does the insurance company pay you directly for the repair? ...

Every insurance company is different. In many cases, the insurance company sends the check directly to the shop. In the event that the insurance company sends the check directly to the customer, you should bring it with you at the time of pick-up.

Mastercard, Discover, and American Express.