How insurance claims work here
A claim can feel like a maze. Here is what happens, in order, and who does each step. If anything is unclear, call and ask.
1
You
Make sure everyone is safe
Then take photos of the damage and the scene, and swap insurance details with the other driver.
2
You
Call your insurer
Open the claim and get a claim number. Tell them you want your car repaired here.
3
Us
Free estimate
Book a time. We inspect the car, write the estimate, and send it to your insurer.
4
Your insurer
Approval
An appraiser reviews the estimate, sometimes in person, and approves the repair.
5
Us
Repair and updates
We order parts and repair the car. You get an update at each stage.
6
Your insurer
Payment
Your insurer pays us the approved amount directly.
7
You
Pick up
Walk around the car with us, pay any deductible, and drive home.
Your choice of shop. Your insurer may suggest a shop, but in Ontario you can choose where your car is repaired. Tell your insurer which shop you picked.
Paying privately or under your deductible? The estimate is the same, and it is free.
Book an estimateWhat we fix
- Collision repairFree estimate
Panels, frames, and structural repairs.
- Paint and refinishFree estimate
Colour matched in our paint booth.
- Bumper repairFrom $350
Repaired where possible, replaced where not.
- Scratch and scuff repairFrom $180
- Paintless dent repairFrom $120
For small dents where the paint is not broken.
While your car is here
- Updates
- We call or text when your car moves to a new stage: parts, body, paint, finished.
- Rental car
- If your policy includes a rental, we can arrange it for the day you drop off.
- Your belongings
- Please take valuables and garage remotes out of the car.
- Paying
- Your insurer pays the approved amount. You pay any deductible at pick-up.
In the shop
Underbody checked on every claim 
Finished and polished
Your contacts
Daniel Okoro
Estimator
Your contact for estimates and for working with your insurer.
Marie Tremblay
Office and claims
Updates, rental cars, and paperwork.
About us
Panel and Primer is a collision and paint shop in south Oshawa. We handle the repair and the conversation with your insurer, and we explain each step before it happens.
If you are paying privately, the estimate is the same and it is free.
Questions
Do I need an estimate before I call my insurer?
No. Call your insurer first to open the claim, then book an estimate with us.
How long will the repair take?
It depends on parts and damage. We give you an expected date with the estimate and update you if it changes.
Do I have to report the accident to police?
In Ontario, collisions with injuries or over $2,000 in total damage must be reported to police or a Collision Reporting Centre. Your insurer can tell you what applies to you.
Hours and location
- Monday to Friday
- to
- Saturday
- to
Estimates by appointment or walk in during office hours. After-hours key drop by the front door.
1140 Wilson Road South, Oshawa, ON L1H 6E7905-555-0181
estimates@example.com
Book a free estimate.
Book an estimate