What does my insurance company mean when they say preferred, selected or direct repair program?

This means that a body shop (or collision repair facility) has agreed to sign a contract with an insurance company. This contract guarantees a select amount of work is done for the insurance company in exchange for concessions on how the shop repairs your vehicle.

What is steering?

Steering is when an insurance company tries to direct you to one of their preferred shops. This is done to help increase profits back to the insurance company.

Do you work for me or the insurance company?

We work for you! The insurance company simply reimburses the cost of the repairs that are covered by your policy.

What are your hours of operation?

Monday: 8AM–4PM

Tuesday: 8AM–4PM

Wednesday: 8AM–4PM

Thursday: 8AM–4PM

Friday: 8AM–4PM

Saturday: By Appointment Only

Where do I start?

Give us a call or stop by the shop to get the repair process started. We would love the opportunity to be able to walk you through the repair process and make it as smooth as possible.

Do you offer your customers a lifetime warranty on their repairs?

We work for you! The insurance company simply reimburses the cost of the repairs that are covered by your policy.


What insurance companies do you work with?

We work with any and all insurance companies entirely on your behalf.

Where are you located?

How long after my car is painted can i wash it?

You can wash your car immediately after it is painted. We make sure your newly painted vehicle is ready to go and every car that comes through our shop is detailed for free.


Is there a difference between aftermarket parts and OEM parts?

Absolutely! There is a reason why after-market parts are substantially cheaper than OEM parts.

Who do you recommend for a tow?

We recommend using US! We have 2 flat bed tow trucks with 24 hour service.



What happens when you need to get your car fixed after an accident?

Since it’s not something most people think about until after the fact, there are a lot of misconceptions about how repairs are handled. These 7 facts will help demystify collision repair from how your car is assessed to where you can take your car to get it fixed.

1. Collision Damage is More Than Skin Deep
When your car hits an obstacle, that impact goes through the entire vehicle, bending or breaking body panels, frame components, wheels, interior pieces, and drivetrain parts.

For example, it may seem odd that Rich’s Auto Body does wheel alignments, but it’s a necessary part of collision repair because even a minor fender bender can affect the position of the suspension.

2. Shop Estimates Can Vary Because of the Skill of the Appraiser
A skilled appraiser will be able to identify all the damage caused by a collision and provide an estimate that should be very close to the final repair cost. Get someone who doesn’t know what needs to be fixed, and the estimate may be lower but the appraisal won’t cover everything needed to completely fix the car.

Even with an expert eye, some repairs won’t be evident until work has begun. That’s where the appraiser’s skill really comes into play: they have to convince the insurance company that there was a reason the damage was missed the first time, and these new repairs need to be made to make the car roadworthy.

3. “Totaling” a Car Depends on More than the Severity of the Damage
A car is considered a “total loss” by the insurance company if the cost of repairs exceeds the value of the vehicle. An almost new car has to be almost irreparable to meet this criteria, while an old luxury car can meet this threshold quickly due to a combination of high parts prices and low resale value.

4. Metal Body Parts Don’t Have a “Memory”
You may have watched as-seen-on-TV devices and Internet videos that claim that with a special tool or some household items, a body panel can simply be popped back into place. In reality, when a body panel is bent, it stays that way, whether that bend was from a press at the factory or from an impact. To remove a dent from a panel, body technicians have to use a range of tools and techniques to gently bend and reshape the metal back to the shape it should be.

5. A Lack of Body Filler Doesn’t Mean a Lack of Repairs
In the old days, if you wanted to know if a car had been in a wreck, you’d run a magnet over it to find which parts were still metal and which parts had been covered in body filler to hide dents. This isn’t always accurate, though. Some vehicles actually come from the factory with filler in them to hide minor inconsistencies after the metal is shaped.

Advancements in body repair techniques and tools allow metal to be reshaped to remove almost any dent, reducing the need to turn to fillers to make a repair. Automotive paint can flex with body panels to a degree before it separates. If the damage was small enough that the paint is sill bonded, dents can usually be taken out without having to respray the panel. Although this is unlikely at the point of impact, surrounding metal may be fixable without needing new paint, making it virtually impossible to identify the repair after it’s finished.

6. With a Quality Repair, a Wrecked Vehicle Can Be As Good As New
Manufacturers work directly with body shops and through associations like I-CAR to ensure technicians can bring vehicles back to their original specifications. When these repairs are done correctly, the vehicle has the same function, structural integrity and appearance as a vehicle that has not been involved in a collision.

7. You Can Choose Your Body Shop
Your insurance provider may suggest a shop to take your vehicle to, but they can’t make you go there to for the repair to be compensated. When you have work done, it’s in your best interest to find a shop that has the knowledge and tools to do the repair right, not the one that will save the insurance company the most money.

If you want quality work when you have collision damage repaired, go to Rich’s Auto Body. Our technicians are ASE certified, and our shop is I-CAR Gold Class Certified. That means our staff has the experience and the latest training to fix your car right the first time. We even have an appraiser on staff to get your car assessed and work approved by the insurance company so you can be back on the road as soon as possible!

Call or Fax

Phone: 732-775-1029 • Fax: 732-775-1025

Hours of Operation:

Monday - Friday: 8AM to 4PM


1602 Asbury Ave, Asbury Park, NJ 07712

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