Auto body shop that works with insurance
Brooklyn drivers can hand
the claim to.
Your car is sitting there with a claim number on it and an adjuster somewhere waiting on photographs. Bring us all of it. A body shop that works with insurance is one that bills your carrier for the repair instead of passing you an invoice and a form to chase. We take all insurance, so whoever your policy is with, the estimate costs you nothing, the damage reaches your adjuster documented, and the carrier pays us on the direction to pay you sign.
Does insurance cover auto body repairs?
Yes, when the damage sits inside the coverage you carry. Collision coverage pays to repair impact damage from an accident. Comprehensive picks up what happens while nobody is driving, so theft, fire, flood, or a branch coming down over the car in East New York. If the other driver is found at fault, their liability coverage pays and your deductible never enters it. Size has nothing to do with the route either. A crease from a parked-car hit gets filed the same way a rebuilt front end does.
People usually call us knowing what their policy covers and not knowing who is allowed to decide what. Five decisions come up on every claim, and three of them are yours to make.
Which shop repairs the car
New York puts that choice with whoever owns the car. Your carrier is allowed to point you at a shop on its own list, and you're allowed to say no thanks. The claim gets paid the same either way. Tell your adjuster the car is at 28 Marginal Street and that's the end of it.
What the policy pays for
Coverage type, policy limits and your deductible were all set the day you bought the policy. None of that shifts because of which shop you drive to, and none of it is ours to change. Our part is writing the repair honestly, so your adjuster is looking at a real number.
What the car needs to be right
We pull the bumper cover and the trim, put the car up on the lift, and write the repair off the metal in front of us. Damage runs further than the paint suggests. A photo taken at the curb can't show a bent radiator support or a headlight tab broken clean off.
Where the insurance check lands
Sign a direction to pay and your carrier sends the repair money straight here. Skip it and the check lands in your mailbox first, and you're the one forwarding it on while the car sits.
When the work begins
Nothing gets ordered and no panel gets touched until you've read the estimate line by line and told us to start. If a line doesn't make sense to you, ask us about it before you approve anything.
Damage that reaches the frame rails or runs across several panels is collision repair in Brooklyn, and it's handled here on the same claim. Structural work gets measured and pulled as automotive frame repair, written on its own lines so your adjuster can see what it took. Smaller claims are ordinary auto body repair in Brooklyn, NY, and a scraped door or a parked-car crease is dent repair in Brooklyn, NY, both written up the same way for the same insurance companies. If the car won't move, our 24/7 towing brings it to Marginal Street first, typically in fifteen minutes to an hour.
In New York the shop is your pick.
Your insurer pays the bill either way.
Do insurance companies pay body shops directly?
Yes, once you sign a direction to pay. It's a short authorization that sends the repair money straight here, so the check never has to sit in your mailbox first. Every insurer accepts one, because it's a legal document, and on a New York claim it's how the money normally moves.
We take all insurance. GEICO is the one carrier we're a direct repair shop for, and everybody else runs the same route through us: a written estimate, the damage documented, the bill sent to your adjuster on your signed authorization. Whoever your policy is with, the claim can come here. If the car is arriving on a tow, fill in the direction to pay form from your phone on the way over, and it's signed before the car gets here.
Adjuster
The person your insurance company puts on your claim. They look at the damage, approve the estimate and release the money. We deal with yours, so you're not sitting in a phone tree on your lunch break.
Estimate
The written breakdown of every part, every labor hour and every refinish operation the job calls for. Ours is free, and you read it before anything on the car moves.
Supplement
A revised estimate, filed once teardown turns up damage nobody could see from outside. It's a normal part of a claim this size, and ours go over with the photographs already attached.
Direction to pay
Your signed instruction telling the carrier to pay us for the repair. It moves money, and that is all it moves. You still pick where the car goes, and you still approve the estimate before a part is ordered.
Deductible
The fixed amount your policy makes you pay toward a covered repair. You settle it here when you collect the car. New York law treats waiving or absorbing a deductible as insurance fraud, for the shop and for the customer both, so yours shows on the estimate at its real number.
Total loss
What your insurer declares once the estimate passes a set share of what the car is worth. At that point the carrier settles with you on the value of the vehicle and the repair doesn't happen.
What if the insurance estimate doesn't cover the repair?
We file a supplement. An adjuster prices what can be seen from outside the car: a scraped bumper cover, a crushed fender, a lamp broken at the tab. The parts that decide what the job really costs are behind that cover, and they only show up once the car is apart.
On this GMC Sierra the bumper, the grille and the headlight read from ten feet away. The radiator support behind them, the wheel-side structure and the wiring loom running through it are the supplement. We tear it down, photograph it, write the revision with part numbers and labor times on it, and send that over for approval before any of the extra work starts. We run that conversation with your insurance company, and you get a copy of every version of the estimate as it changes.
Will my car get OEM parts on an insurance job?
We use OEM parts, which are the parts the manufacturer built your car with. Aftermarket and recycled parts are copies or used originals, and an insurance estimate is sometimes written around them to bring the total down. Where the manufacturer's own procedure calls for original equipment, we put that to your adjuster in writing with the part numbers on it.
An adjuster takes that push-back seriously when there's training and certification sitting behind it. Our certified technicians hold I-CAR training, and the shop carries OEM certification from BMW, Honda, Toyota, Kia and Hyundai. Manufacturer repair procedures are written around manufacturer parts, so when we push back on a line in the estimate, we're reading from a printed procedure.
ADAS calibration is part of the same conversation. A windshield, a bumper cover or a mirror on a car with lane keeping and adaptive cruise is carrying cameras and radar, and all of it has to be recalibrated once the panel is back on. We do that here, and it goes on the estimate where your adjuster can see it, because a car handed back with an uncalibrated camera is a car that was never finished.
The estimate gets written
with the car up on the lift.
What a finished insurance repair looks like
This BMW 8 Series came in with the left front corner torn open: bumper cover split back to the arch, headlight housing broken away at its mount, fender creased into the wheel opening. Every bit of it went through a claim.
Before 
After - A free written estimate with the reasoning on it, handed over before anything on the car is touched
- Photographs of every damaged part, filed with the claim and sent to your adjuster
- OEM parts, plus a written case to your adjuster anywhere the estimate was drawn around cheaper ones
- Paint mixed to your car's factory code and tinted against the panel it's going on
- ADAS cameras and radar recalibrated once the panels are back on the car
- A lifetime warranty on parts, labor and paint, for as long as you own the vehicle
The warranty covers the work we did, for as long as the car stays yours. A later accident is a new repair, and that's the only carve-out on it. Our New York State DMV motor vehicle repair shop registration is 7135479, and the sign is on the wall.
Drivers who handed us the claim
“Amazing staff! Charlie was very communicative and helped me through the entire process from start to finish. Not only did he fight the insurance for me when they didn’t want to pay, he also got them to put original OEM parts on the vehicle. Back to new like it never happened. Got my car back in a timely fashion with everything completely back to factory. Thanks again Charlie”
“By far one of the best services in New York!!! They made the whole process so smooth from beginning to end. As a first time customer, I never had to deal with insurance claims. The business helped me get my claim and helped me throughout the process. Not many places work alongside their customer. Exclusive body and repair is the real deal and they work with you. They go above and beyond to ensure when you get your car back, you get it better than ever! Thank you again for all your help! Appreciate you Charlie!”
“Charlie is very professional and helpful with an excellent team, we went to get wheelchair access removed, we were very happy with the results and the price as well . Charlie also mentioned their specialized in insurance! I would highly recommend the service this business has to offer , very honest service.”
“I took 2 of my cars to Exclusive. The first car I took was because I hit a deer and the second one I took was side swiped by another car while my car was parked. They both had major damages but Charlie and his crew put them back together and I got my cars back brand new. Charlie is an awesome dude. He's easy to talk to and puts you at ease when he talks to you about your car. All his staff is amazing and very caring. I highly recommend Exclusive body shop.”
“Very late response because I suck at these things but I have to give a shout and a big thank you to Charlie and the crew for fixing my BMW I8 after crashing it over the summer. I gotta say I got the family treatment after the saddest day of my life because I ain't think I would get my car back but wow it came back more beautiful than ever thanks again. And YES I give my thumbs up for anyone to go there with any car body problems. THANK YOU”
“I brought my car here that a friend recommended after an accident and I'm extremely happy with the results.They came to pick me up very quickly, which made a stressful situation so much easier. The staff was friendly, professional, and made the whole process smooth. The turnaround time was exactly what they promised, and getting into a rental car was fast and easy. The work speaks for itself. I would recommend this body shop to anyone without hesitation.”
Claims handled across Brooklyn
We're at 28 Marginal St W in Cypress Hills, a block off the Jackie Robinson Parkway. For most of the borough that's a few minutes out of your morning: leave the car with us and keep going.
Insured outside Brooklyn? Drivers come to us from Queens, Manhattan, the Bronx and Staten Island, and the claim runs the same way from all of them. Text photographs of the damage to (929) 267-9940 and we'll tell you what you're looking at, or start with your auto body repair estimate in Brooklyn.
Auto body repair and insurance in Brooklyn, NY: FAQs
What drivers want to know once the adjuster has been in touch. If yours isn't here, call and ask us.
Does insurance cover auto body repairs?
Do insurance companies pay body shops directly?
Is it better to get an insurance quote for damage or an auto body shop?
Where is the best auto body repair shop in Brooklyn for insurance work?
Can my insurance company make me use their shop?
What is a direction to pay form?
What happens if you find more damage after the repair starts?
Will my car get OEM parts or aftermarket parts on an insurance job?
Do I still have to pay my deductible?
Got a claim open?
Bring us the number.
Tell us what happened, who you're insured with, and whether the car still moves. You'll get a plain description of the work and a list of what your carrier is going to want from you, before you've said yes to anything. Email comes back in about two hours during shop hours, and a call or a text gets us quicker.
Brooklyn, NY 11207
Sun Closed