NO CLAIM · OUT OF POCKET
Auto Body Repair
Without Insurance.
A claim can raise your premium for years over a bumper or a dent. You can just pay for the repair instead, at an affordable price, with financing if you want it.
Rather talk? (510) 632-0993
Start your free estimate · 5 quick steps
“I went in there with uncertainty and walked out with a fixed truck and a preferred body shop. They treated me like family.”
Juan, RAM owner“… Went above and beyond even after they finished, they made sure to address my concerns.”
Tiaira, Nissan owner
Why people skip the claim
Some people don’t carry collision coverage. Some have a deductible higher than the repair. Some don’t want a claim on their record or a higher premium. Whatever the reason, you can bring the car straight to us.
Worth knowing: liability-only insurance covers the other person’s car, not yours. If you only carry liability and the accident was your fault, or nobody else was involved, the repair is on you, and that’s exactly what this is for.
When paying yourself makes sense
- The repair costs about the same as, or less than, your deductible
- It’s a bumper, a door ding or a scratch, and a claim could raise your premium
- You don’t have collision coverage
- You want it fixed without waiting on an adjuster
Not sure? Get the free estimate first, then decide. If a claim makes more sense, we help with that too.
Affordable, with financing
We keep our prices affordable, and financing is available if you’d rather pay over time. See your monthly payment options with Sunbit. No hard credit check to see your options; a down payment is due at the shop.
Most of our repairs start around $1,000 and go up from there. Send us photos and we can usually give you a ballpark. The exact price comes after we see the car in person, because photos can’t show everything underneath.
Got a quote somewhere else?
Already got a quote from another shop? Send us a photo of it along with photos of the damage, and we’ll give you our ballpark to compare. The exact price still comes after we see the car.
Same warranty as any job
Every repair comes with our lifetime warranty, good for as long as you own the car. The way we put it: we don’t warranty the vehicle, we warranty you.
Quick answers
Do you work on cars without insurance?
Yes. You can pay out of pocket, and the estimate is free.
Do you offer financing?
Yes, through Sunbit. You can see your monthly payment options online with no hard credit check, and a down payment is due at the shop.
Can you give me a second opinion on another shop’s quote?
Already got a quote from another shop? Send us a photo of it along with photos of the damage, and we’ll give you our ballpark to compare. The exact price still comes after we see the car.
Is the warranty the same if I pay myself?
Yes. Every repair comes with our lifetime warranty, good for as long as you own the car. The way we put it: we don’t warranty the vehicle, we warranty you.
Is it cheaper to pay out of pocket than to file a claim?
For smaller damage it often is, once you count your deductible and a possible premium increase. Get the free estimate, compare it with your deductible, then decide.
Other services
- Bumper repair & replacementScuffed, cracked, hanging or pushed in.
- Dent & door ding repairDented doors, fenders and panels.
- Scratch & paint repairScratches and faded paint, color-matched.
- Collision repairAccident damage, insurance or out of pocket.
- Frame & panel repairFrame repair, panel replacement and alignment.
- Insurance claimsEvery insurer. We walk you through it.
- Totaled car? Get a second lookBefore you sign the settlement, bring it in.
- TowingCar can’t be driven? Ask us.