by Eric Reamer | Oct 28, 2026 | Collision Center, collision repair, Insurance |
You researched the shops, read the reviews, and picked the one certified for your vehicle. Then a letter from the insurance company arrives, and suddenly your right to choose a body shop feels a lot less certain. The letter says you can pick any repair facility you...
by Eric Reamer | Oct 21, 2026 | collision repair, OEM Repair Procedures |
It is 10 o’clock at night, your car is in the shop, and you start typing questions into a chatbot. Within seconds, AI collision repair advice tells you your vehicle has a “multi-axis structural unibody twist.” That sounds catastrophic. It also sounds official....
by Eric Reamer | Oct 15, 2026 | appraisal clause, Insurance, total loss
After a collision, you pick a repair shop you trust. The shop inspects the damage and writes a repair plan. Then your insurer replies with a shorter number and a phrase that sounds final: we pay the prevailing competitive rate. That phrase carries real weight on your...
by Eric Reamer | Oct 8, 2026 | collision repair, Insurance, total loss
When an insurer declares your car a total loss, the offer letter shows one number. Behind that number sits a long chain of decisions, and one of the least visible is the total loss condition adjustment. This line item lowers the price of every comparable vehicle in...
by Eric Reamer | Sep 30, 2026 | Insurance, total loss, Uncategorized
When your insurer declares a car a total loss, the check it offers becomes the budget for your next vehicle. A total loss valuation report sets that number. Most owners never read it closely, and many never ask to see it. A federal class action in Colorado recently...
