Effective Date

March 2, 2026

Insurance & Payment Responsibility Policy

Car-O-Practic Collision Repair

Insurance & Payment Responsibility Policy

Car-O-Practic Collision Repair assists customers with insurance claims as a convenience.

1. No Direct Repair Program (DRP)

Car-O-Practic is not affiliated with any insurance company Direct Repair Program (DRP).

We perform repairs based on manufacturer standards and safe repair practices.

2. Supplements

If additional damage is discovered during the repair process:

  1. We will submit a supplement request to the insurance company.
  2. Repairs may pause until supplement approval is received.

Approval timelines are determined by the insurance provider.

3. Deductible Payment

The vehicle owner is responsible for paying their full insurance deductible at the time of vehicle pickup.

Car-O-Practic does not waive or discount deductibles unless permitted by law.

4. Financial Responsibility

The vehicle owner remains financially responsible for:

  1. Any unpaid insurance balances
  2. Deductibles
  3. Betterment charges
  4. Policy limitations
  5. Delays or underpayment by insurance company

Insurance payment does not relieve the vehicle owner of financial responsibility.

5. Payment Terms

Payment in full is required before vehicle release unless prior written arrangements are made.

Accepted forms of payment include cash, debit card, credit card upon verification and cashier check.