Collision Repair 101: Navigating Insurance and Estimates in Rochester, MN

Accidents are stressful; getting your car fixed shouldn’t be. At Tom Kadlec Auto Body, we act as the bridge between you and your insurance company. We’ve answered the most common questions about starting the repair process so you can move forward with confidence.

1. Do I need an appointment for an estimate? While we welcome walk-ins, we highly recommend scheduling an appointment. This ensures a dedicated estimator is ready for you, reducing your wait time. You can easily request an estimate online at tomkadlecautobody.com.

2. Can you work with my insurance company? Yes! We work with all major insurance companies. Our team is well-versed in the claims process and communicates directly with insurance adjusters to ensure your vehicle gets the repairs it needs.

3. Do I have to use the body shop my insurance recommends? No. This is a common myth. By law, you have the right to choose any repair facility you trust. Your insurance company cannot force you to go to a specific shop. We recommend choosing a shop that prioritizes safety and OEM quality—like Tom Kadlec Auto Body.

4. Will you handle the insurance paperwork for me? Absolutely. We offer Insurance Assistance to guide you through the maze of paperwork. We can file the claim, submit photos, and negotiate with the insurer on your behalf so you don’t have to stress over the details.

5. What information should I bring for my estimate? To speed up the process, please bring:

• Your insurance card / policy information.
• The claim number (if you’ve already filed one).
• Your vehicle registration.

6. How long does it take to get an estimate? A professional estimate usually takes about 30 to 45 minutes. We inspect the visible damage, take photos, and input data into our system to generate an accurate quote.