Insurance claims · Miami, FL
Your insurance claim, handled
In Florida, you — not your insurance company — choose where your car gets repaired (Fla. Stat. §626.9743). Automotive World Collision Center works your claim directly with the insurer: free estimate, documentation, supplements for hidden damage, and straight answers the whole way.
How we handle the claim
Your right to choose
Florida law forbids insurer steering. Pick the shop you trust — the claim follows the car.
Direct with the insurer
We speak adjuster. Estimates, photos, and supplements filed for you.
Hidden damage covered
Teardown finds what the drive-by estimate missed; we document and file it.
Proven with claims
Reviews document insurer-referred work here — including Geico sending a customer our way.
Insurance questions, answered straight
- Do I have to use the body shop my insurance company recommends?
- No. Florida law (Fla. Stat. §626.9743) prohibits insurers from requiring you to use a specific shop. Their 'preferred shop' is a recommendation, not a rule — you choose, and your claim still applies.
- Will my claim be covered at Automotive World?
- Yes — your policy covers repairs at any licensed shop you choose. We work with your insurer's process directly, and reviews document successful claims here, including a Geico-referred repair.
- What if the insurance estimate is lower than the real damage?
- That's common — hidden damage appears after teardown. We document it and file the supplement with your insurer, so the repair gets done right, not just cheap.
- Do you help me deal with the insurance company?
- Yes. In a reviewer's words: “They even helped me deal with problems from my insurance.” We handle the back-and-forth so you don't have to.
- What should I do right after an accident in Miami?
- Get to a safe spot, call 911 if anyone is hurt, photograph everything, exchange information, and call us at (786) 701-6028 before you accept a steering suggestion — the shop choice is yours.
- Do I pay anything out of pocket?
- Typically just your deductible, per your policy. The estimate is free either way, so you know the numbers before deciding.