Don’t be afraid to ask for help when dealing with the insurance companies. We have dealt with every insurance company in the Northeast and we can be a great tool when dealing with an insurance claim.

As per every auto insurance agreement you have a right to choose which repair shop your vehicle is repaired at, your insurance cannot force you to one shop over another. We hope you choose us at Red Mill Auto to provide you with quality service.

Once an estimate has been filed with the insurance company and there has been an agreed price between the company and Red Mill Auto, repairs can begin. If there is a discrepancy in the estimate price or additional items are needed, a supplement will be sent to the insurance company and will require approval. If your claim has a deductible, that will need to be payed directly to Red Mill Auto. Any amount above the deductible will come directly to Red Mill Auto from the insurance company, unless otherwise stated.


  • Should I go through my insurance or the other party’s insurance?

    If the other party is at fault it is usually best to wait for their insurance company to accept liability and pay for the claim 100%. The nice thing about going through their insurance is that they will cover all the damages up front. If you go through your insurance you will likely have to pay your deductible and wait to get reimbursed by the other insurance carrier. However, going through your insurance is usually a much quicker process, if you are in a hurry to get your car repaired.

  • Who do I pay the deductible to? The insurance company or the repair shop?

    The deductible will be paid directly to the repair shop.

  • The insurance company is charging me for betterment. What does that mean?

    Betterment is defined as the act or process of improving something. After an accident, the insurance company is to pay to have your car repaired to pre-accident condition. Anything above that would be considered betterment. For example, say you get in an accident with a tire that is worn down and it pops. The insurance company will replace that tire with a new tire but charge you a certain amount because they technically are making your vehicle better than it was before the accident.

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