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Get your questions answered:

S & M Auto Paint & Body Shop Inc's FAQ area gives you valuable information regarding your rights as a driver, as well as handling yourself after an accident.


We understand that a vehicle accident is a harrowing event, and the aftermath is often convoluted and confusing, which is why we offer you some initial insights into the process with these Frequently Asked Questions:


I was asked to get 3 estimates on my vehicle. Is this beneficial to me?

You don't need 3 estimates; you just need to decide where to get your vehicle fixed. Insurers often ask for more than one appraisal. This is how they keep costs competitive.


At S & M Auto Paint & Body Shop Inc, we will work closely with the paying insurer to ensure the highest quality repairs for you at the most competitive pricing for them.


I don't feel the accident was my fault. Can I pursue the other party's insurance company?

Absolutely! S & M Auto Paint & Body Shop Inc will work hard to assist you in processing your claim through the other party's carrier. If this is the case, you may not have to be concerned with paying a deductible, any rental car costs or premium increases.


Are all collision repair facilities and technicians licensed?

No, unfortunately not. This is why it is important for you to make an informed decision when choosing a repair facility. Look for technician/facility certifications such as ICAR-A.S.E. (Automotive Service Excellence) At S & M Auto Paint & Body Shop Inc, all technicians are

licensed and certified.


Is there a difference in workmanship from repair facility to repair facility?

There is a major difference in workmanship from facility to facility. At S & M Auto Paint & Body Shop Inc we guarantee  your repair and back it up with our written Lifetime Warranty.


We use only the highest quality materials, parts and technical expertise to restore your vehicle back to its pre-loss condition. We work closely with all insurance companies to ensure all necessary repair procedures are completed on your vehicle.


Will the new paint match the old paint on my car?

Yes!! S & M Auto Paint & Body Shop Inc uses the finest acrylic urethane paint available. We take pride matching the color on your car through tinting and blending techniques to ensure a good paint match. This is an additional procedure in the repair to insure top quality work.


How can I pay for the repairs?

S & M Auto Paint & Body Shop Inc tries to make payment as easy as possible. We accept debit,  credit cards, properly endorsed insurance checks, money orders and yes, cash.


What if my insurance company is paying for the repairs?

S & M Auto Paint & Body Shop Inc are performing these repairs for you, our customer. Any insurance coverage you have is between you and the insurance company and does not enter into S & M Auto Paint & Body Shop Inc agreement to repair your car.


We provide you and your insurance company with an itemized bill for the repairs. Full payment of your repair is expected when you receive, and are satisfied with, your car.


S & M Auto Paint & Body Shop Inc will accept direct payment from your insurance company if a commitment in writing is given to S & M Auto Paint & Body Shop Inc from the insurance company prior to the release of the vehicle.


Insurance drafts to lien holders must be endorsed by the same before S & M Auto Paint & Body Shop Inc can accept them.


What to do in case of an emergency:

Odds are you or someone you know will be involved in an accident this year. Here are some helpful hints to follow in the event you are involved in an accident:

We are family owned and operated. We provide direct billing to your insurance company and GUARANTEE all work.

Get a FREE estimate when you call.


  • Stay calm!

  • Turn off your vehicle's engine and wait for assistance. If you feel threatened in the intersection, pull the vehicle to the side of the road or a well-lit parking lot.

  • Are you injured? Check yourself and seek assistance immediately if necessary.

  • Is it nighttime? Is the area well lit? Is it safe for you to get out of your vehicle?

  • Call the police or your emergency number. WARNING: We have had many customers come to us with incorrect information that was gathered at the scene of an accident. Trying to be helpful or courteous by not contacting the police wound up costing them!

  • Be courteous and tactful to all parties. Make sure your thoughts are clear before you make any statements to the police or insurance personnel.

  • Don't accept fault, even if you believe it may be your fault.

  • Exchange names, addresses, license numbers and insurance information with all parties involved in the accident. Gather witness information as well.