Insurance and claims
Phil Long Collision Center works directly with all major auto insurance carriers. You file the claim. We manage the process.
Insurance partners
Phil Long works directly with all major auto insurance carriers in Colorado. You file the claim. We handle adjuster communication, damage documentation, estimate submission, and billing.
Not seeing your carrier? Call (719) 667-2900. We work with all major insurers.
How the insurance claims process works
You file your claim
Contact your insurance company to report the accident. They will give you a claim number. Phil Long needs that claim number to communicate with your insurer directly.
Phil Long coordinates the inspection
Your insurer may send an adjuster or use a photo-based estimate process. Phil Long facilitates either approach.
Phil Long submits the estimate
We prepare a complete repair estimate and submit it to your insurer. If assessments differ, Phil Long handles the negotiation.
Repairs are approved and begin
Once approved, repairs begin. If additional damage is discovered during teardown, we submit a supplement and wait for approval before proceeding.
Your insurer pays Phil Long directly
We bill your insurance company directly. You pay your deductible at vehicle pick-up. That is your only out-of-pocket cost.
Your rights as a vehicle owner in Colorado
You have the right to choose your repair shop.
Colorado Revised Statute 10-4-110.1 prohibits insurers from requiring policyholders to use a specific repair facility. Your insurer can recommend a shop. They cannot require you to use it.
You have the right to OEM parts.
Your policy terms determine whether OEM or aftermarket parts are used. Phil Long reviews your policy terms and advocates for OEM parts when your policy supports it.
You have the right to a complete repair.
Your insurer is required to restore your vehicle to its pre-loss condition. If the approved repair scope is insufficient, Phil Long will document the gap and pursue supplemental payment on your behalf.
You may be entitled to diminished value.
If another driver caused the accident, you may be entitled to compensation for the reduction in your vehicle's resale value. Phil Long can provide documentation that supports this claim.
Start your insurance claim with Phil Long
We handle adjuster communication, damage documentation, estimate submission, and billing. You pay your deductible. We handle the rest.
Start your insurance claim with Phil Long
We handle adjuster communication, damage documentation, estimate submission, and billing. You pay your deductible. We handle the rest.