Self-Pay Collision Repair in Nashville – No Insurance Needed
Plan B Autobody – Self-Pay Collision Repair Without Going Through Insurance
Plan B Autobody is a Nashville area independent collision repair shop that offers payment options to include insurance or direct payments without going through insurance or in instances where claims payments are insufficient or fall short.
Certified Collision Repair
Plan B Autobody is an I-Car certified shop that has received the latest in collision repair training and meets the requirements for Gold Class certification. Plan B is qualified through I-Car to perform comprehensive collision repair, frame straightening, paintless dent repair, scratch and ding repair, and custom painting and restoration services.
About Paying for Damage Repair Out-of-Pocket
For the past 17 years, Plan B Autobody has provided high-quality post-accident repairs using original manufacturer parts. We are one of the only collision centers in Nashville that allow drivers to pay us directly our-of-pocket rather than involving the insurance companies, which makes sense in certain situations. Paying out-of-pocket with cash or a credit card gives you control over your repairs, such as part selection, paint colors, and lets you decide which repairs you with to pursue.
Ask us about self-payment options
Cash Auto Body Repair and Private Pay Services
Plan B Autobody accepts both insurance payments and private payments. We let you decide the best option for your car and personal situation after assessing the damage at our Goodlettsville Auto Body shop. If you select to pay out-of-pocket as a private pay client, we can discuss and work out the terms of the payments, keeping you informed every step within the repair process.
Why Private Pay Collision Repair Is Hard to Find
The vast majority of collision shops in Tennessee do not offer the option of cash or out-of-pocket payments. One reason for this is that these collision centers have agreements with the insurance providers, such as State Farm and Progressive, to repair vehicles for insurance customers at a special rate. These shops do not want to involve private pay customers and take the risk of violating their contract and working with an insurance customer directly and not going through the standard process and billing requirements.
Other collision centers consider it a risk to let the driver or owner pay directly. They want to streamline the process and receive funds directly from the insurance company. They do not want to have any delay in payment.
Plan B Autobody wants you to have freedom and to pay in the way that is best for you. We do not work for the insurance companies; we work for you.
Considerations for Paying for Collision Repairs Without Insurance
There are many reasons why customers ask whether they can pay for repairs themselves after their car is damaged. Here is why a Plan B customer chose to self-pay after his accident. This customer a large Dodge Ram truck that incurred damage after another car hit it on the interstate. The insurance company wanted to total the vehicle, rather than repair it. The truck could not be replaced for the money that was offered by the claims representative, so the customer wanted to pay out-of-pocket to get the truck repaired. They called around to several local Nashville shops like Gerber Collision & Glass, Caliber Collision, and Childress Collision with no success.
By the time they called Plan B, they had about given up. Our team at Plan B was glad to work through payment options with this customer and provide a detailed evaluation and repair estimate.
Top Reasons Why to Pay for Car Repairs without Insurance
- Only minor damage was incurred – It may cost the same or less than the deductible to fix the car or replace a part.
- Avoid insurance premium increases – You may wish to skip insurance involvement after damage has occurred to avoid a rate increase. Please note that most insurance policies do require that you report significant damage to your car. For instance in Tennessee, you don’t have to report property damage under $1500 to your vehicle, provided there are no injuries. Withholding minor damage to your insurance company may pose a risk to future claims in the event more significant damage emerges.
- Only one car was involved and no injuries occurred – Small dings and fender benders occur daily. It is interesting to note that an estimated 20% of all accidents occur in driveways or parking lots. If you just happened to scratch your car on the mailbox while backing out or your car was spraypainted, you may want to just fix it on your own.
- You own a collectible or classic car – If you don’t have a special policy to cover a classic or collectible car, the insurance company will likely only pay a fraction of the value of the car. To get it restored, you will need an experienced shop like Plan B and will need to pay out of pocket for repairs and replacement parts.
- You do not carry comprehensive or collision insurance.
Plan B Autobody is an independent shop, not tied to any insurance companies. We perform exceptional work on your car, use OEM parts, when available, offer fair pricing, and provide a lifetime warranty on our work. We offer self-pay clients the option to not go through insurance so they have the control over the repairs and their payment plan.
Whether you need minor dent repair, bumper replacement, or a full collision repair, Plan B Autobody is Nashville’s trusted shop for collision services.