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Insurance Coverage

Quick Facts: Using Insurance for Paintless Dent Repair

  • Can Insurance Cover Paintless Dent Repair? Yes, in most cases, insurance will cover paintless dent repair (PDR). Every policy is different. But if your damage qualifies as a "comprehensive claim", most of the time you will have lower deductibles and often doesn't impact your rates.
  • Should You Call Us or Your Insurance First? You can do either, but we recommend contacting us first. We’ll help you confirm if your damage qualifies for PDR, estimate repair time, advise if you’ll need a rental car, and decide if insurance even makes sense.
  • Will Filing a Claim Raise Your Rates? This varies by insurance company and individual policy. Some companies only raise rates after claims exceed certain thresholds. Many PDR claims are comprehensive, which are often considered "non-fault" or "act of god". Because PDR is cost-effective and claims are often smaller, many of our customers report no rate increase for typical PDR claims.
  • How Long Does the Insurance Process Take? Insurance can add a little time, but not much. It typically adds a few day or a week to the process and depends on your adjuster and responsiveness. We handle most communication to keep things moving!

Should You Use Insurance or Pay Out of Pocket?

This depends on your situation. We help you make the best decision—not just the easiest one.

When Insurance Makes Sense:

  • Repair cost is significantly higher than your deductible
  • Hail damage (almost always worth filing)
  • Large repairs ($1,500–$3,000+)
  • Comprehensive (non-fault) claims

When Paying Out of Pocket May Be Better:

  • Repair cost is close to your deductible
  • You want to avoid delays from insurance
  • You don’t want a claim on your vehicle’s history

Why Some Customers Choose Out of Pocket:

  • No Carfax record from an insurance claim
  • Faster turnaround (no waiting on adjusters)
  • Less hassle overall
👉 We’ll often walk you through both options. For example: If a repair is $900 and your deductible is $500, it may make more sense to pay out of pocket and avoid a claim altogether.

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Dent repair in Lancaster, pa

What Is the Process to Use Insurance?

If you want to use insurance for dent repair, the process is simpler than most people expect:

Document the damage:Take clear photos and videos from multiple angles.

Start a claim: Contact your insurance company and explain how the damage occurred (You’ll receive a claim number).

Contact Lancaster Dent Removal Once you have a claim number, we can:

  • Review your damage
  • Communicate directly with your insurance company
  • Handle the estimate and approvals

In many cases, we take it from there so you don’t have to deal with the back-and-forth!

Dent repair in Lancaster, pa

Why Work With Lancaster Dent Removal?

We make the process easy—whether you use insurance or not.

  • We don’t push you toward filing a claim
  • We help you make the smartest financial decision
  • We handle insurance communication for you
  • We focus on high-quality, long-lasting repairs
Our goal is simple: Fix your vehicle the right way, with as little stress as possible.

 
LDR vehicle.
working on vehicle.
5 Star Review
Dave had my door looking brand new for a very reasonable price and quick turn around time. I had my truck back in an hour and a half! I have already recommended Lancaster Dent Removal to all my buddies!

- Jeff G. (Google Review)

Expertise on Variety of Car Makes

We are an experienced paintless dent removal company that works on all models of trucks, cars, vans, and SUVs. A few to note: Get A Quick Quote    
paintless dent removal before photo BEFORE   paintless dent removal after photo AFTER

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