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We are a preferred repair facility for most insurance companies. We use the latest electronic technology to help process your claim with your insurance company, saving you valuable time.

Do not be intimidated in dealing with insurance companies. Your automobile insurance policy is a contract between you and the insurance company. Your insurance company agrees to provide certain services in return for the monthly or annual premiums you pay them. It is your money and your contract with the insurance company. Be persistent. Do not allow your insurance agent to minimize the claim situation. When you contact your insurance company to place a claim for damage to a vehicle in an accident in which you were at fault, you are the "insured." When you contact the insurance company of the driver of another vehicle in an accident for which you are NOT at fault, you are the "claimant."  Insurance companies are required to deal with you "in good faith." If you believe an insurance company is NOT dealing with you in a fair and equitable manner, you can contact the office of the Maryland State Insurance Commissioner:

http://www.mdinsurance.state.md.us/

Or

Maryland Insurance Administration 
Attn: Consumer Complaint Investigation 
525 St. Paul Place 
Baltimore, MD 21202-2272 
Telephone: 410-468-2000 1-800-492-6116

Contacting Your Insurance Company
As soon as possible after any accident, you should contact your insurance company or agent. You should be aware that your insurance company may record your telephone call or verbal report of what happened - and you should always request a written transcript of your statement for your personal records. Your insurance company must provide this transcript to you upon request and without charge.

It may take your insurance company/agent several days to get back to you with a claim number. The claim number is very important. If your insurance company takes longer than a week to assign a claim number, or is not forthcoming on the reasons for the delay, you may wish to consult an attorney to further protect your rights.

Reputable collision repair facilities will require a claim number to begin repair of your vehicle. Beware of companies offering to begin repairs without the proper paperwork. 

Caution: Uninsured Motorists
Even though Maryland State laws and the laws of many other states prohibit driving a vehicle without auto insurance, people do drive without insurance-every day. If you are involved in an accident with an uninsured motorist and they are at fault, your only recourse for liability and payment is legal action-a costly and time-consuming alternative.

In the meantime, any repairs to your vehicle, the need for rental or loaner cars, and other expenses will be something you will have to pay out of personal funds and hope to recoupe later.

The best advice-make sure you have Uninsured Motorist Coverage for every vehicle listed on your automobile insurance policy. Uninsured Motorist Coverage provides policy coverage for both personal injuries and property damage. The cost of this coverage is minimal and the peace of mind it provides is invaluable. 

Rental  Vehicles 
Not all facilities provide rental vehicles while your vehicle is in their shop for repairs. You will also want to check your automobile policy to see if you have "rental car" coverage. If not, you may personally have to pay for alternative transportation while your car is being repaired. If you do have rental car coverage, there is generally a set "cap" or policy limit that may not adequately cover the length of time that you're going to need a car until your vehicle is repaired. 

At Security Auto Body, we understand the hassles caused by any accident-which is why we provide easy access to rental cars. That way, your life is not on hold waiting for your insurance company to get back to you about a rental car.