Insurance collision repair in Matthews, NC. You pick the shop. We handle the claim.
Your insurer can recommend a shop but cannot require one. Bring us the claim number and we manage everything — adjuster, photos, supplements, rental, paperwork — and bill the carrier directly. We bill your carrier directly and never add anything beyond your policy's deductible. Free 24/7 towing from the scene.
- 30 minWritten estimate at the shop
- 24/7Free towing after an accident
- DirectInsurer billed directly by us
- LifetimeWarranty on every paint job
Quick answer: how an insurance claim works at Prime Motors
You choose Prime Motors Body Repair, give us your claim number, and we handle the rest: written estimate in 30 minutes, photos and measurement report to the adjuster, negotiation on every line item, supplements for hidden damage, rental coordination, and direct billing to the carrier. We work with Geico, State Farm, Allstate, Progressive, Farmers, Liberty Mutual, USAA, Nationwide and every other insurer, and bill them directly. You pay your policy's deductible if one applies — nothing more. Free towing 24/7 from the accident scene, billed to the claim.
Your claim, step by step.
What happens, who does it, and how long each part takes.
| Step | Who does it | How long |
|---|---|---|
| Report the accident to your insurer (or the other driver's) | You — one phone call or app submission. Get the claim number. | 10 minutes |
| Get the car to us | Free 24/7 tow if it isn't drivable, or drive in any weekday. | Same day |
| Written estimate and photos | Prime Motors. Itemized estimate in about 30 minutes; measurement report for structural damage. | 30 minutes |
| Adjuster review and approval | Prime Motors sends the file and negotiates each line. You don't call anyone. | 1–3 business days |
| Parts ordered, repair starts | Prime Motors. Rental coordinated if your policy covers it. | Parts: 1–5 days |
| Supplement, if hidden damage appears | Prime Motors documents and files it. Approved supplements cost you nothing. | 1–3 business days |
| Repair, refinish, walkthrough | Prime Motors. Lifetime paint warranty paperwork at pickup. | 3–5 days typical |
| Payment | Insurer pays Prime Motors directly. You pay your policy's deductible if one applies — nothing added on top. | At pickup |
Three things insurers don't always tell you.
You choose the shop
North Carolina law lets you pick any repair shop. A "preferred" shop is one that has a pricing agreement with the insurer — it is not a requirement, and it is not a safety rating.
Not-at-fault means no deductible
If the other driver caused the accident, their liability coverage pays for your repair with no deductible. We can bill their insurer directly so you don't front the money.
The first estimate isn't final
Adjusters write from photos. When teardown shows more damage, a supplement covers it. That's normal — and it's our job, not yours, to file it.
Paying out of pocket instead?
Many customers skip the claim to protect their premium or keep a small repair off their record. Same published prices, same lifetime paint warranty, no inflated repair list.
- Written quote before any work
- Honest advice on what to fix now vs. later
- Scheduling around your work or travel
Frame damage and the total-loss question
Structural repair is where claims get expensive and where total-loss decisions happen. Measuring first produces an accurate estimate instead of a worst-case guess.
- Measurement report sent with every structural estimate
- Owner-retained salvage explained honestly
- Frame straightening guide and prices
Start your claim repair — we take it from here.
Send photos and your claim number if you have one. We reply within one business day with next steps, or walk in for a written estimate in about 30 minutes.
- 1Take 3–4 photos of the damage and a photo of your claim number or card.
- 2Enter your phone and vehicle — 30 seconds.
- 3We call or text with your written estimate and next steps.
Rather talk? Call (704) 635-1975 — Mon–Fri 8:00 AM to 5:30 PM. Towing is 24/7.
Free estimate request
No obligation. Photo estimates within one business day; walk-ins get a written estimate in about 30 minutes.
Takes 30 seconds. We reply by call or text — no spam, no lists.
Insurance questions answered plainly.
Do I have to use the body shop my insurance company recommends?
Will I pay my deductible?
What is a supplement?
Will my insurance pay for OEM parts?
Do you provide a rental car?
Should I file a claim or pay out of pocket?
What happens if the insurer wants to total my car?
How long does insurance approval take?
Give us the claim number. That's the last call you make.
Free 24/7 towing from the scene. Written estimate in 30 minutes. Adjuster, supplements, rental and billing handled — we bill your carrier directly.