Does your insurance cover collision repair? A Stamford driver's guide
How Connecticut collision coverage works, what your deductible really means, and how a shop advocates for you.
Collision coverage pays to fix your car after a crash, no matter who is at fault. Liability coverage pays for the other car. If you only carry liability in Connecticut, your own repairs come out of pocket unless the other driver's policy pays.
Your deductible
The deductible is what you pay before insurance pays the rest. A $500 deductible is common. If the repair costs less than the deductible, the claim is not worth filing. We write the estimate first so you know the real number before you decide.
OEM parts and the insurer
Insurers often push aftermarket or used parts to save money. Original equipment manufacturer parts fit and finish better. We document why OEM matters on your specific car and push the adjuster for it. That is the advocacy reviewers mention.
Pick the shop, not the insurer
In Connecticut you have the right to choose your body shop, even if the insurer steers you to a network shop. Mandi is an Allstate-approved location, but we work with every major carrier. Bring the car to Magee Ave and let us handle the back and forth.
Need this done on your car?
Bring it to Mandi Auto Body on 36 Magee Ave, Stamford. Free estimate, honest timeline.