After a Texas hailstorm, it’s easy to notice a shattered windshield or large dents across the hood. But not all hail damage is immediately visible. In fact, many vehicles sustain minor dents that go unnoticed until weeks or even months later.

Hidden hail damage can affect your vehicle’s appearance, resale value, and, in some cases, lead to additional issues if left unaddressed. Knowing what to look for can help you determine whether it’s time for a professional inspection.

Why Hail Damage Is Easy to Miss

Modern vehicle paint reflects light differently depending on the angle. Small dents may disappear in direct sunlight but become obvious under overcast skies or inside a well-lit garage.

Some dents are only visible when viewed from certain angles, making them surprisingly difficult to detect.

Common Areas Where Hail Damage Occurs

Most people immediately inspect the hood and roof, but hail can damage many other parts of your vehicle.

Be sure to examine:

Even small hailstones can leave dozens of tiny dents across multiple panels.

Inspect Your Vehicle in the Right Lighting

Lighting makes all the difference when looking for hail damage.

For the best visibility:

Professional repair facilities often use specialized LED lighting designed specifically to reveal subtle dents.

Check for More Than Just Dents

Hail doesn’t only damage sheet metal.

Also inspect for:

These types of damage may require different repair methods than Paintless Dent Repair.

Why Early Detection Matters

Small dents may seem like only a cosmetic concern, but delaying repairs can create additional challenges.

Prompt inspections can help:

Following a major storm, repair facilities often become busy quickly, so scheduling an inspection early can also reduce wait times.

Can Paintless Dent Repair Fix Hidden Hail Damage?

In many cases, yes.

If the paint remains intact and the dents have not severely stretched the metal, Paintless Dent Repair (PDR) is often an excellent solution.

Because PDR preserves the factory finish, many hail-damaged vehicles can be restored without sanding, filling, or repainting.

When Should You Schedule an Inspection?

If your vehicle was exposed to a hailstorm, it’s a good idea to have it inspected if:

A professional inspection can identify damage that may be difficult to see with the naked eye.

The Bottom Line

Not all hail damage is immediately obvious. Careful inspection under proper lighting can reveal dents that might otherwise go unnoticed. Catching hail damage early helps you understand your repair options, document the damage for insurance, and restore your vehicle before minor issues become larger concerns.

Frequently Asked Questions

Can hail damage be invisible?

Yes. Small dents often become visible only under certain lighting conditions or when viewed from specific angles.

Will insurance cover hidden hail damage?

If you carry comprehensive insurance and the damage resulted from a covered hail event, hidden hail damage is generally handled the same as visible damage.

Can small hail dents become worse over time?

The dents themselves usually don’t grow larger, but chipped paint, cracked glass, or damaged trim can worsen if not repaired.

Should I have my vehicle inspected even if I only see one or two dents?

Yes. Visible dents may indicate additional damage that isn’t immediately noticeable without professional lighting and inspection tools.

Need a Professional Hail Inspection?

If your vehicle has been through a recent hailstorm, Hail & Collision can perform a thorough inspection to identify visible and hidden damage. We’ll explain your repair options and help you determine whether Paintless Dent Repair or traditional repairs are the best solution.

???? Schedule Your Free Hail Damage Inspection Today

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Not every dent qualifies for Paintless Dent Repair. Learn when PDR is the ideal repair solution and when traditional body repair may be the better choice.

→ When Paintless Dent Repair Works Best

After a car accident, one of the first calls you’ll likely receive is from your insurance company. During that conversation, the representative may recommend a repair facility from their “preferred” network.

Many drivers assume they must use that shop.

Fortunately, that’s generally not the case in Texas.

Understanding your rights can help you choose a repair facility you trust instead of feeling pressured into using one selected by your insurance company.

Yes. In Most Cases, You Can Choose Your Own Repair Shop.

Texas drivers generally have the right to select the collision repair facility they want to perform repairs.

While insurance companies often maintain Direct Repair Programs (DRPs) or preferred shop networks, these are simply repair facilities that have agreements with the insurer.

They are recommendations, not requirements.

If you have a shop you trust, you can typically request that your vehicle be repaired there.

What Is a Preferred Body Shop?

Insurance companies often partner with repair facilities through Direct Repair Programs.

These shops may:

Many DRP shops perform excellent repairs.

However, choosing an independent repair facility does not automatically mean you’ll receive lower-quality service or encounter claim problems.

Why Some Drivers Choose Their Own Shop

Many vehicle owners prefer selecting their own repair center because they value:

Reputation

Online reviews and referrals often provide greater confidence than simply accepting the insurer’s recommendation.

Experience

Some collision centers specialize in:

OEM Repair Procedures

Many independent repair facilities follow manufacturer repair procedures and invest in specialized equipment and technician training.

Will Insurance Still Pay?

In most covered claims, your insurance company generally pays according to your policy regardless of which repair shop you choose.

However, if your selected shop charges more than what the insurer determines to be a reasonable repair cost for certain operations, there may occasionally be discussions about pricing or repair methods.

An experienced collision center can often work directly with the insurance adjuster to resolve these differences.

Beware of Repair Steering

Some drivers feel pressured when an insurer repeatedly recommends a preferred repair facility.

This practice is sometimes referred to as repair steering.

You can politely tell the representative:

“I’d like my vehicle repaired at the collision center of my choice.”

Most insurers will simply continue processing your claim.

Questions to Ask Before Choosing a Body Shop

Before authorizing repairs, consider asking:

A trustworthy repair facility should welcome these questions.

Don’t Choose Based on Price Alone

Collision repair today involves far more than replacing damaged parts.

Modern vehicles contain:

Choosing a qualified repair facility helps ensure these systems are restored correctly.

Frequently Asked Questions

Does my insurance company have to approve my body shop?

Insurance companies generally inspect damage and determine covered repairs, but you typically retain the right to select the repair facility.

Can I switch repair shops?

Depending on where your vehicle is in the repair process, it may be possible. Discuss the situation with both your insurer and the repair facility before making changes.

What if my insurance company recommends another shop?

You can listen to the recommendation and still choose a different repair facility.

Will repairs take longer if I don’t use a preferred shop?

Not necessarily. Repair times depend on parts availability, the extent of damage, technician workload, and supplemental approvals rather than whether the shop participates in an insurer’s preferred network.

Final Thoughts

Choosing a collision repair facility is an important decision after an accident.

While insurance companies may recommend certain repair shops, Texas drivers generally have the freedom to choose the repair center they trust. Looking for experienced technicians, quality workmanship, clear communication, and a commitment to proper repair procedures can help you feel more confident throughout the repair process.

If you’ve recently been involved in an accident, don’t hesitate to ask questions, compare repair facilities, and select the shop that best meets your needs.

Lets talk and get your auto fixed!

Texas experiences some of the most severe hailstorms in the country. Even a brief storm can leave your vehicle covered with dents, chipped paint, cracked glass, or hidden damage that isn’t immediately obvious.

One of the first questions many drivers ask is:

Should I file an insurance claim?

The answer depends on several factors, including the extent of the damage, your deductible, your vehicle’s value, and your insurance coverage. Filing a claim can save thousands of dollars in repair costs, but it isn’t always the right decision.

Here’s what every Texas driver should know before contacting their insurance company.

First, Inspect Your Vehicle Carefully

Not all hail damage is easy to spot.

Walk around your vehicle and inspect:

Look for:

Many dents only become visible when viewed at an angle or under bright lighting. That’s why professional inspections often reveal damage vehicle owners never noticed.

When Filing a Claim Usually Makes Sense

In many situations, filing a comprehensive insurance claim is the smartest financial decision.

You should strongly consider filing a claim if:

Leaving significant hail damage unrepaired can reduce your vehicle’s value and make future repairs more expensive.

When Filing a Claim May Not Be Necessary

Not every dent requires an insurance claim.

You may choose to pay out of pocket if:

A reputable repair shop can provide an estimate before you decide whether filing a claim makes financial sense.

Understanding Your Deductible

Your deductible is the amount you’re responsible for paying before your insurance coverage applies.

For example:

Repair CostDeductibleInsurance PaysYou Pay
$1,800$500$1,300$500
$4,500$1,000$3,500$1,000
$400$500$0$400

If repairs cost less than your deductible, filing a claim generally provides little financial benefit.

Will a Hail Damage Claim Raise Your Insurance Premium?

This is one of the most common questions we hear.

Hail damage is typically covered under comprehensive insurance, not collision coverage.

Because hail is considered a weather-related event that is outside your control, many insurers treat comprehensive claims differently than at-fault accidents.

However, insurance companies use many factors when determining future premiums, including:

While many drivers don’t experience a rate increase after a single hail claim, no repair facility can guarantee how an individual insurance company will adjust future premiums.

Don’t Wait Too Long

Waiting weeks or months to address hail damage can create additional problems.

Potential issues include:

Rust

If hail chips the paint, moisture can reach exposed metal and eventually lead to corrosion.

Lower Resale Value

Visible hail damage often reduces trade-in and resale offers.

Lease Penalties

Most leased vehicles must be returned free of unrepaired body damage.

Missed Deadlines

Insurance policies may require claims to be reported within certain timeframes. Filing sooner helps avoid unnecessary complications.

Why a Professional Inspection Is Worth It

Many reputable collision repair facilities offer complimentary hail inspections.

Professional technicians use specialized lighting and reflection boards that reveal dents most people can’t see.

During the inspection, they can determine:

Getting an inspection first allows you to make an informed decision before starting the insurance process.

Can Hail Damage Be Repaired Without Repainting?

In many cases, yes.

If the paint surface remains intact, Paintless Dent Repair (PDR) can often restore the vehicle without sanding, body filler, or repainting.

Benefits of PDR include:

However, if the paint is cracked or panels are severely damaged, traditional body repair may be necessary.

Frequently Asked Questions

How long do I have to file a hail damage claim?

Insurance policies vary. It’s generally best to report damage as soon as possible after discovering it.

Can I choose my own repair shop?

Yes. In Texas, vehicle owners generally have the right to choose where their vehicle is repaired.

Does every hail dent require repainting?

No. Many dents can be repaired using Paintless Dent Repair without affecting the factory finish.

Should I get an estimate before contacting my insurance company?

Yes. A professional inspection helps you understand the extent of the damage and whether filing a claim is likely to be beneficial.

What if my vehicle already had previous hail damage?

A repair facility can help distinguish between existing damage and new storm damage during the inspection process.

Final Thoughts

Hail damage isn’t always as obvious as it appears, and deciding whether to file an insurance claim shouldn’t be a guessing game.

A professional inspection can help you understand the true extent of the damage, estimate repair costs, and determine whether filing a claim is the best financial decision for your situation.

If your vehicle has recently been caught in a Texas hailstorm, scheduling an inspection promptly can help protect your vehicle’s appearance, value, and long-term condition.

Give us a Call!

If your vehicle has been damaged by hail or a minor collision, you may have more than one repair option available. Two of the most common methods are Paintless Dent Repair (PDR) and traditional dent repair.

While both methods are designed to restore your vehicle’s appearance, they use very different techniques. Understanding when each repair method is appropriate can help you make an informed decision and know what to expect during the repair process.

What Is Paintless Dent Repair (PDR)?

Paintless Dent Repair, commonly called PDR, is a specialized technique that removes dents without sanding, filling, or repainting the damaged panel.

Using precision tools, skilled technicians carefully massage the metal back into its original shape from behind the panel whenever access is available.

Because the factory paint remains intact, PDR can often restore a vehicle to its pre-damage condition without affecting the original finish.

When Is PDR a Good Option?

Paintless Dent Repair works best when:

Many hail-damaged vehicles qualify for PDR because hailstones often dent the metal without breaking the paint.

What Is Traditional Dent Repair?

Traditional dent repair is used when damage is too extensive for Paintless Dent Repair.

This process may involve:

Traditional repairs allow technicians to restore vehicles with more significant damage that cannot be corrected through PDR alone.

When Is Traditional Repair Necessary?

Traditional repair is often recommended when:

In these situations, repainting is typically necessary to restore the damaged area.

Comparing the Two Repair Methods

Paintless Dent Repair

Advantages

Limitations

Traditional Dent Repair

Advantages

Limitations

Does Insurance Cover Both Types of Repairs?

In many cases, yes.

If your insurance policy covers the damage, the repair method is typically determined by the type and severity of the damage rather than the insurance company.

The goal is to restore the vehicle using the repair method that is most appropriate for the specific damage.

Which Repair Method Costs Less?

When PDR is an option, it is often less expensive because it avoids:

However, cost should never be the only consideration. The repair method should always be based on what is needed to restore the vehicle properly.

Will My Vehicle Look the Same After Repairs?

When repairs are performed correctly, both methods are intended to restore your vehicle as closely as possible to its pre-damage condition.

Professional collision repair facilities use specialized equipment, manufacturer repair procedures, and quality control inspections to help ensure repairs meet high standards for appearance and safety.

How Do I Know Which Repair Is Right?

The best way to determine whether your vehicle qualifies for Paintless Dent Repair is through a professional inspection.

Experienced technicians evaluate factors such as:

Some vehicles even benefit from a combination of PDR and traditional repair techniques.

The Bottom Line

Paintless Dent Repair and traditional dent repair each have an important role in restoring damaged vehicles. PDR is an excellent solution for many hail and minor dent repairs, while traditional repair remains the best choice for more significant damage involving cracked paint, stretched metal, or structural repairs.

A qualified collision repair facility can inspect your vehicle and recommend the repair method that will safely and effectively restore its appearance and performance.

Frequently Asked Questions

Is Paintless Dent Repair permanent?

Yes. When performed correctly, Paintless Dent Repair permanently restores the damaged metal without affecting the factory paint.

Can every dent be repaired with PDR?

No. Dents with cracked paint, severe creases, stretched metal, or structural damage usually require traditional repair methods.

Does PDR reduce my vehicle’s value?

Because PDR preserves the original factory finish, it is often considered one of the best repair methods for maintaining your vehicle’s appearance and resale value.

Which repair method is faster?

Paintless Dent Repair is often completed more quickly than traditional repairs because it does not require sanding, painting, or curing time. Actual repair times vary depending on the amount of damage.

Need Dent Repair? We’re Here to Help

Whether your vehicle qualifies for Paintless Dent Repair or requires traditional collision repair, Hail & Collision can inspect the damage and recommend the best repair solution. Our experienced technicians use proven repair techniques to help restore your vehicle’s appearance while working directly with your insurance company when applicable.

???? Schedule Your Free Dent Repair Estimate Today

Continue Reading

Not every hail dent is easy to spot. Learn how to identify hidden hail damage before it affects your vehicle’s appearance or value.

→ How To Spot Hidden Hail Damage

Texas experiences some of the most severe hailstorms in the country, and even a brief storm can leave vehicles covered with dents, cracked glass, or damaged trim. If your vehicle has been caught in a hailstorm, one of the first questions you may have is whether your insurance will pay for the repairs.

In many cases, the answer is yes, but the type of coverage you carry makes all the difference.

Does Auto Insurance Cover Hail Damage?

Hail damage is generally covered under comprehensive auto insurance, sometimes called “other than collision” coverage.

Comprehensive insurance is designed to help pay for damage caused by events beyond your control, including:

If you only carry liability insurance, hail damage is typically not covered.

What Is Comprehensive Coverage?

Unlike collision coverage, which helps pay for damage resulting from an accident with another vehicle or object, comprehensive coverage protects your vehicle from many weather-related events.

Because hail is considered an “act of nature,” claims for hail damage are usually handled through your comprehensive coverage.

Will I Have to Pay My Deductible?

In most cases, yes.

Your insurance policy will typically require you to pay your comprehensive deductible before your insurance company pays the remaining covered repair costs.

For example:

Your deductible amount depends on the policy you selected when purchasing your insurance.

Should I File a Hail Damage Claim?

It depends on the extent of the damage.

Minor cosmetic dents may not exceed your deductible, while widespread hail damage affecting multiple panels, glass, or trim can easily result in repair costs of several thousand dollars.

A professional inspection can help determine the severity of the damage before you decide whether filing a claim makes sense.

Can Small Dents Become Bigger Problems?

Many hail dents are cosmetic, but some damage can become more serious if left unrepaired.

Potential issues include:

Having your vehicle inspected after a significant hailstorm helps identify damage that may not be immediately obvious.

What Is Paintless Dent Repair (PDR)?

For many hail-damaged vehicles, Paintless Dent Repair (PDR) is the preferred repair method.

PDR uses specialized tools to gently massage dents from behind the panel without sanding, filling, or repainting the original finish.

When appropriate, Paintless Dent Repair offers several advantages:

Not every dent qualifies for PDR. Larger impacts, damaged paint, or severely stretched metal may require traditional body repair techniques.

What Happens After I File a Claim?

Once your insurance company receives your claim, they typically:

  1. Open a claim file.
  2. Arrange an inspection of the vehicle.
  3. Review the repair estimate.
  4. Approve covered repairs.
  5. Coordinate payment according to your policy.

Your repair facility may also work directly with your insurance company throughout the repair process to help keep everything moving smoothly.

How Soon Should I Repair Hail Damage?

It’s generally best not to wait.

Delaying repairs can make scheduling more difficult after major Texas storms, when repair facilities often experience increased demand.

Addressing hail damage promptly also allows technicians to inspect for hidden issues that may require attention.

Choosing the Right Repair Facility

Not every body shop specializes in hail damage repair.

When selecting a repair facility, consider:

Choosing an experienced repair center can make the claims and repair process significantly less stressful.

The Bottom Line

Comprehensive auto insurance typically covers hail damage, but your deductible and policy details determine how much your insurance company will pay.

If your vehicle has recently been caught in a hailstorm, having it professionally inspected can help you understand the extent of the damage and your available repair options.

Frequently Asked Questions

Does liability insurance cover hail damage?

No. Liability insurance generally pays for damage you cause to others, not damage to your own vehicle caused by weather.

Is hail damage considered an at-fault claim?

No. Hail damage is generally considered a weather-related event rather than an at-fault accident.

Can hail damage be repaired without repainting?

Yes. Many hail dents can be repaired using Paintless Dent Repair (PDR), provided the paint has not been damaged and the dents are suitable for the process.

How long do hail repairs take?

Repair times depend on the number of dents, the repair method, parts availability if needed, and overall shop workload following a major storm.

Need Hail Damage Repair? We’re Here to Help

If your vehicle has been damaged by hail, Hail & Collision can inspect the damage, explain your repair options, and work with your insurance company throughout the claims process. Whether your vehicle qualifies for Paintless Dent Repair or requires more extensive repairs, our experienced technicians are here to help restore your vehicle with quality workmanship.

???? Schedule Your Free Hail Damage Estimate Today

After an accident, one of the first questions most drivers ask is, “When will I get my car back?”

The answer depends on several factors, including the extent of the damage, parts availability, insurance approvals, and the complexity of today’s vehicle technology. While every repair is different, understanding the process can help set realistic expectations.

Every Collision Repair Is Different

No two accidents cause exactly the same damage. Even a minor-looking impact can hide structural damage beneath the vehicle’s exterior.

Several factors affect repair time, including:

A thorough inspection allows technicians to develop an accurate repair plan before work begins.

Typical Repair Timelines

Although every repair is unique, most collision repairs generally fall into these ranges:

Minor Cosmetic Repairs

Small dents, scratches, or bumper repairs may take anywhere from 2 to 5 business days, depending on paint curing times and parts availability.

Moderate Collision Damage

Repairs involving multiple panels, paint work, or component replacement often require one to two weeks.

Major Collision Repairs

Vehicles with structural damage, airbag deployment, suspension damage, or extensive body repairs may require several weeks to complete safely.

The goal is not simply to repair the visible damage, but to restore the vehicle according to manufacturer repair procedures.

Why Parts Availability Matters

One of the biggest causes of repair delays is waiting for replacement parts.

Factors that may affect availability include:

Your repair facility typically orders parts as early as possible to minimize delays whenever possible.

Hidden Damage Is Common

Once technicians begin disassembling a vehicle, they sometimes discover additional damage that wasn’t visible during the initial inspection.

This may include:

When additional repairs are needed, a supplemental estimate is submitted to the insurance company for approval before work continues.

Advanced Vehicle Technology Adds Time

Modern vehicles contain sophisticated safety systems that often require specialized equipment during repairs.

These systems may include:

After repairs are completed, these systems frequently require professional calibration to help ensure they function properly.

Paint and Refinishing Require Precision

High-quality paint work cannot be rushed.

The refinishing process includes:

Professional paint matching helps restore your vehicle’s original appearance while maintaining durability.

Quality Control Is the Final Step

Before your vehicle is returned, reputable collision repair facilities perform comprehensive inspections.

These may include:

These inspections help ensure repairs meet quality and safety standards before delivery.

How You Can Help Avoid Delays

Vehicle owners can help keep repairs moving by:

Good communication between you, your insurance company, and your repair shop helps keep the process moving efficiently.

The Bottom Line

Collision repair isn’t just about replacing damaged parts. Today’s vehicles require careful inspection, specialized equipment, precise repairs, and extensive quality checks to help restore both appearance and safety.

While repair times vary depending on the damage and parts availability, choosing an experienced collision repair facility helps ensure the job is done correctly rather than simply done quickly.

Frequently Asked Questions

Why is my repair taking longer than expected?

Additional damage may be discovered after disassembly, replacement parts may be delayed, or insurance approval may take additional time.

Can I drive my vehicle while waiting for repairs?

That depends on the extent of the damage. Some vehicles may have hidden structural or safety issues that make them unsafe to drive. Your repair facility can help determine whether driving is advisable.

Will my insurance provide a rental car?

Rental coverage depends on your insurance policy. If you purchased rental reimbursement coverage, your insurer may help cover rental vehicle costs during repairs.

Can repair times be guaranteed?

Because repair timelines depend on factors such as insurance approvals, hidden damage, and parts availability, exact completion dates are difficult to guarantee. A reputable repair facility will keep you updated throughout the repair process.

Whether you’ve recently been involved in a collision or are preparing for future repairs, you’ll likely hear the terms OEM and aftermarket parts. Understanding the difference can help you make informed decisions about your vehicle’s repair and long-term value.

While both types of parts have their place, knowing their advantages and limitations can help ensure your vehicle is repaired safely and properly.

What Are OEM Parts?

OEM stands for Original Equipment Manufacturer. These are parts made by, or for, your vehicle’s manufacturer and are designed specifically for your make and model.

For example, if you drive a Ford, an OEM fender is manufactured to Ford’s specifications and is intended to fit exactly like the original part that came on your vehicle.

Advantages of OEM Parts

OEM parts typically offer several benefits:

Because they’re built to manufacturer specifications, OEM parts often require fewer adjustments during installation.

What Are Aftermarket Parts?

Aftermarket parts are manufactured by companies other than the original vehicle manufacturer. Many companies produce high-quality replacement parts that are designed to function similarly to OEM components.

Some aftermarket manufacturers specialize in particular components such as bumpers, headlights, mirrors, or body panels.

Advantages of Aftermarket Parts

Quality aftermarket parts can offer benefits including:

Not all aftermarket parts are the same. Quality can vary significantly depending on the manufacturer.

Is One Better Than the Other?

The answer depends on the specific part and the repair.

For cosmetic components, some high-quality aftermarket parts may perform very well. However, for certain structural or safety-related components, many repair professionals prefer OEM parts because they are engineered specifically for the vehicle.

Today’s vehicles contain advanced safety systems, sensors, cameras, and precisely engineered crumple zones. Using the appropriate replacement parts helps ensure these systems continue to function as intended.

Will Insurance Pay for OEM Parts?

Insurance coverage depends on several factors, including:

Some insurance policies specifically allow aftermarket parts, while others provide OEM coverage under certain conditions.

If OEM parts are important to you, it’s worth discussing your options with both your insurance company and your collision repair center before repairs begin.

What About Fit and Paint Quality?

One of the biggest differences between OEM and lower-quality aftermarket parts can be the fit.

A properly fitting body panel affects:

Paint quality depends less on the part itself and more on the repair facility’s preparation, paint matching process, and refinishing expertise.

Safety Comes First

Modern vehicles are engineered as complete safety systems. During a collision, dozens of components work together to help protect occupants.

Professional collision repair involves more than simply replacing damaged parts. Technicians must ensure that replacement components meet repair requirements and that vehicle safety systems are restored according to accepted repair procedures.

Questions to Ask Your Repair Shop

Before repairs begin, consider asking:

A reputable collision repair center should be happy to explain your repair plan and answer your questions.

The Bottom Line

Both OEM and aftermarket parts have a role in collision repair, but they are not always interchangeable. The best choice depends on your vehicle, the type of damage, insurance coverage, and the quality of the replacement parts available.

Working with an experienced collision repair facility helps ensure your vehicle is repaired properly using parts that meet the needs of your specific repair.

Frequently Asked Questions

Are OEM parts always better?

Not necessarily. OEM parts are designed specifically for your vehicle, but some aftermarket manufacturers also produce high-quality replacement parts. The quality of aftermarket parts can vary by manufacturer.

Can I request OEM parts?

Yes. In many cases, you can request OEM parts, although your insurance policy may affect whether additional costs are covered.

Do aftermarket parts void my vehicle warranty?

Generally, no. Simply using aftermarket parts does not automatically void a vehicle’s warranty, although any defective aftermarket part itself would not be covered by the vehicle manufacturer.

Are aftermarket parts safe?

Many aftermarket parts meet industry standards, but quality varies. Your repair facility can help determine which replacement parts are appropriate for your vehicle and the specific repair.

After a car accident, dealing with insurance can feel almost as stressful as the collision itself. Between adjusters, repair estimates, rental cars, and unfamiliar terminology, it’s easy to feel overwhelmed.

The good news is that understanding the claims process can make everything much easier. Knowing what to expect helps you avoid delays, make informed decisions, and get your vehicle repaired correctly.

Step 1: Report the Accident

As soon as it is safe to do so, notify your insurance company about the accident. Most insurers allow you to file a claim through their mobile app, website, or by phone.

Be prepared to provide:

Providing accurate information early helps your claim move more smoothly.

Step 2: Your Insurance Company Opens a Claim

Once your report is received, your insurance company assigns a claim number and a claims adjuster. Insurance collision claims take time, be patient.

The adjuster will review the available information to determine:

Depending on the circumstances, this process may take anywhere from a day or two to several weeks.

Step 3: Vehicle Inspection

Your insurance company will typically want to inspect the damage.

This inspection may happen:

Remember that the initial estimate is exactly that… an estimate. Hidden damage is common after collisions, especially when impact affects structural components behind body panels.

Step 4: Choose Your Repair Shop

Many insurance companies recommend “preferred” or “network” repair facilities.

However, Texas law allows you to choose the collision repair shop you trust. Your insurance company cannot require you to use a specific repair facility simply because it participates in their network.

Choosing an experienced collision repair center helps ensure repairs are completed safely using proper procedures and quality parts whenever appropriate.

Step 5: Supplements Are Often Necessary

Once technicians begin disassembling the vehicle, they frequently discover additional hidden damage.

When this happens, the repair shop submits a supplemental estimate to the insurance company.

This is completely normal.

Modern vehicles contain:

These issues often cannot be identified until repairs begin.

Step 6: Repairs Begin

After approvals are received, the repair process starts.

Depending on the extent of damage, repairs may include:

Today’s vehicles require much more than simply replacing damaged parts. Proper repairs help restore both appearance and safety and insurance collision claims take that into account.

Step 7: Final Inspection and Delivery

Before your vehicle is returned, reputable repair facilities perform thorough quality control inspections.

This typically includes:

Your repair shop should review the completed repairs with you and answer any questions before you drive away.


Frequently Asked Questions

Do I have to use the repair shop my insurance company recommends?

No. In Texas, you generally have the right to select the repair facility of your choice.

Will my insurance rates automatically increase?

Not necessarily. Premium changes depend on several factors, including who was at fault, your driving history, and your insurance company’s underwriting policies.

How long does a collision claim take?

Minor repairs may take only a few days once parts arrive. More extensive repairs involving structural damage or specialty parts can take several weeks. OEM parts are always preferred over 3rd party but depending on availability of course.

What if additional damage is discovered?

Hidden damage is common. Your repair shop will work directly with the insurance company to submit supplemental repair documentation for approval.

Will my vehicle look the same after repairs?

When repairs are performed using proper repair procedures, quality replacement parts, and professional paint matching, your vehicle should be restored as closely as possible to its pre-accident condition.

We’re Here to Help

At Hail & Collision, we understand that most customers don’t deal with insurance claims every day. Our team works directly with insurance companies throughout the repair process, helping make the experience as straightforward as possible while keeping you informed along the way.

If you’ve been involved in an accident, we’re happy to answer your questions, explain the repair process, and help you understand what comes next. Whether your vehicle has minor cosmetic damage or requires extensive collision repairs, our goal is to restore your vehicle safely and get you back on the road with confidence.

Let’s Get Started!

Knowing what to do in the moments following a car accident can protect your safety, your legal rights, and your insurance claim. Whether you’ve been involved in a minor fender bender or a more serious collision, following the proper steps can make the recovery process much smoother.

1. Check for Injuries and Move to Safety

Your first priority is the safety of everyone involved.

If anyone is injured, call 911 immediately and request emergency medical assistance. If the accident is minor and your vehicle can be moved safely, relocate it to the shoulder or another safe location to reduce the risk of additional collisions.

Turn on your hazard lights and remain calm while waiting for first responders if necessary.

2. Call the Police

Texas law requires drivers to report accidents involving injuries, fatalities, or significant property damage.

Even if the accident appears minor, having an official police report can be extremely valuable when filing an insurance claim or resolving disputes about fault.

When officers arrive, provide accurate information but avoid speculating about who caused the accident.

3. Exchange Information

Collect the following information from every driver involved:

If there are witnesses, politely ask for their names and contact information as well.

4. Document the Accident

Your smartphone is one of your best tools after an accident.

Take photographs of:

The more documentation you have, the easier it may be to support your insurance claim.

5. Notify Your Insurance Company

Report the accident to your insurance carrier as soon as possible.

Provide factual information and submit any photos or documentation you’ve collected. Your insurance representative will explain the next steps and help begin the claims process.

If another driver was at fault, their insurance company may also contact you.

6. Choose a Trusted Collision Repair Shop

One of the biggest misconceptions after an accident is that you must use the repair shop recommended by your insurance company.

In Texas, you have the right to choose the collision repair facility you trust.

Selecting an experienced repair center ensures your vehicle receives quality workmanship, proper repairs, and careful attention to detail throughout the restoration process.

7. Have Your Vehicle Thoroughly Inspected

Not all collision damage is immediately visible.

Even relatively minor accidents can affect:

A professional inspection helps identify hidden damage before it becomes a larger problem.

8. Keep All Documentation

Save copies of:

Keeping organized records can simplify the claims process from start to finish.

Common Mistakes to Avoid

After an accident, avoid these common mistakes:

Taking a few extra minutes after the accident can help prevent headaches later.

Get Your Free Repair Estimate

Tell us about your vehicle and the damage you’re dealing with. Our team will review your information and contact you to discuss the next steps.

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