Will Your Insurance App Leave You Shortchanged?

31 Oct
Insurance App

Will Your Insurance App Leave You Shortchanged?

It seems “there’s an app for that” for any number of activities on smartphones, for navigation, tracking the weather…even getting up-to-the-minute updates from social media on what your friends and family are having for dinner.

One of these, which may seem convenient and tempting to use, is a photo-estimating app several insurance companies use to document collision damage. Some of these companies quickly cut a check to the insured or even direct-deposit money almost immediately. No muss, no fuss, right? But before you use one, be cautious. There are a number of reasons that using one may leave you shortchanged when it comes time to accurately repair your collision-damaged vehicle. To get a free, accurate estimate for what is required to correctly repair your vehicle in South San Francisco, contact Peninsula Auto Body.

Our Estimators Know What to Look for to Write an Accurate Estimate
Peninsula Auto Body estimators are trained to look for not only the damage that is obvious, but also for what damage is usually associated with what can be easily seen. Of course, we can write only the damage we can see before disassembly, but we can more accurately assess the scope of the repair. Can that dent be repaired in four hours, or will it take eight? Some damage is difficult to see even with a professional photograph in ideal lighting. And would you rather trust the opinion of the professional who’s repaired a similar dent? Or would you prefer to trust the opinion of a “desk reviewer,” someone who’s working over email 1,000 miles away for the insurance company and for whom it’s in their best interest to quickly settle the claim?

The Insurance Company Hopes You Take the Money and Run
Have you ever bought something at the store that required you to mail in a rebate? Why do you think it is that the manufacturer or store doesn’t simply offer a coupon at the time of purchase—or put it on sale? It’s simple, actually. It’s figured out how many people forget to turn in the rebate, or turn it in late, or just figure it’s not worth the hassle. So instead of having to rebate 10 percent of the purchase price, the company only turns over 5 percent, or 7 percent, or whatever it is.

With estimating apps, the more complex the damage is, the more damage there is that can be missed, and the easier it is to fudge the amount of the damage on the low side. The insurance company hopes you will accept the amount that’s on the estimate and never have that minor collision damage repaired. After all, that money can go toward a new TV or a night on the town, right?

But keep in mind when you go to turn in your leased vehicle or trade it in, it’s time to pay the piper. Do you really want to come up with the difference in what you were paid versus what it costs to properly repair the damage?

What if I’ve Already Used an App, Taken the Money, and Now Want a Proper Repair?
If you already used a smartphone app and accepted the payment from the insurance company, please talk to us, anyway. We most likely can help you by writing a thorough estimate and turning in a supplement for the proper amount needed to repair your vehicle.

Peninsula Auto Body stands ready to assist with all your auto collision repair needs. Contact us at 650.588.0999 Monday through Friday between 7:30 a.m.-5:30 p.m., or stop by our convenient location at 1430 San Mateo Ave., South San Francisco, CA.

About Peninsula Auto Body

We live and work within the San Francisco Peninsula area. Our commitment to the community extends from helping our customers to helping our team members and right into the community itself. At Peninsula Auto Body, we are neighbors helping neighbors, especially after an automotive accident. From towing to filing claims to making sure you have transportation while we fix your vehicle, as your neighbor, we’ll help take care of you. We’re here in your time of need. If you have questions or comments, please call us.

About Author

author posts

Leave a Comment


At Peninsula Auto Body, “The Customer is our Top Priority.” Not only are we a preferred repair facility for multiple insurance companies, but we also offer convenient courtesy shuttle services throughout the Bay area and an Enterprise Rent-A-Car in our lobby.


  • FREE Repair Estimate
  • Towing 24/7 Service
  • Insurance Assistance
  • Rental Car Assistance
  • Paintless Dent Repair
  • Environmentally Safe Paint Matching
  • Cracked Windshield Repair
  • Major and Minor Collision

Contact Info

Servicing South San Francisco and surrounding cities:
Brisbane, Colma, Pacifica, San Bruno, Daly City, San Francisco, South San Francisco, San Francisco Airport, Broadmoor, Moss Beach, El Granada, San Mateo, Moon Bay, Burlingame, Hillsborough, Foster City, Belmont, Miramar, San Carlos, Montara

1430 San Mateo Ave. South San Francisco, CA

Tel: 650.588.0999

Email: info@peninsulaautobody.com