Frequently Asked Questions

1. I’ve been in an accident. Now what do I do?

Contact your insurance company to report your accident. Let them know where you are taking your vehicle for repairs. They will send an assignment to that body shop. The assignment will contain needed information, such as your claim number. This is needed in order for the body shop to write the estimate, take required photos, and upload the information directly to the insurance company. The shop will then setup your appointment for repairs. 

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2. Will my insurance company pay for a rental?

Yes, if you have rental coverage. Also check with your agent or insurance company to see how much of the rental is covered; some policies pay the full amount, some will only pay a percentage. If the claim is a liability claim (the accident was not your fault), the full amount will be covered.

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3. Where Do I Get A Claim Number?

Claim numbers are issued by your insurance company at the time you report your accident. Just jot it down and bring it in with you when you come in to begin the repair process, we will do the rest.

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4. How will I know when my car is done?

You will be notified by phone when your vehicle is ready to be picked up. Please call your estimator during the repair process if you have questions or concerns.

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5. Is there a warranty on the repairs to my vehicle?

Yes. We guarantee all of our repairs with a written Limited Lifetime Warranty.

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6. Who do I pay my deductible to?

It will be your responsibility to pay David White Body Shop when you pick up your vehicle.

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7. When can I wash my vehicle?

You can wash the vehicle immediately.

• Wash the vehicle by hand with cool water.

• Use a very mild car wash solution, with no wax additive, using a soft cloth, sponge, or mitt.

• Always use clean fresh water.

• Wash your vehicle in the shade.

• Do not use a commercial brush car wash. Stiff brushes or sponges could mar the finish and damage the surface.

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8. When can I wax my vehicle?

Do not wax or polish the vehicle in the first 90 days. This will allow the finish to cure completely. After the first 90 days, keep a coat of polish or wax on the vehicle. This will help keep your finish looking new.

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9. Can the shop help bury my deductible?

No. When you purchased your insurance policy, you signed a contract saying you will pay the first amount of the claim up to your deductible. Repairers should not be asked to hide the deductible. That practice would constitute fraud by both the shop and consumer. The penalties for insurance fraud are severe. If a shop offers to save your deductible, they are absorbing that at your cost. They are not doing the said repairs in order to make up for your deductible. This could lead to unsafe and unsatisfactory repairs which will ultimately cost you at some point.

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10. Do I need more than one estimate?

No. . It is up to you to decide who you want to repair your vehicle. If you choose David White Body Shop, then we will write an estimate and send to your insurance company and we will work directly with them.

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11. What is subrogation?

Subrogation is the process by which your insurance company pays for the repairs to your vehicle, and is obligated to collect from another insurer or party. Your collision coverage will require you to pay your deductible, which may be refunded once the other party pays.

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12. The insurance company says my vehicle is a total loss. What do they mean?

The cost of repairs plus the value of the vehicle in damaged condition (salvage value) - is greater than the actual cash value (ACV) of the vehicle prior to the accident.

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13. How is the actual cash value determined?

The insurance company will assign an appraiser, or the repairer, to determine its condition prior to the accident. They may use a vehicle evaluation service to determine pre-accident value.

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14. Is the actual cash value Negotiable?

Sometimes. If you feel the actual cash value offered by the insurance company is too low, then you are obligated to prove this either through documented receipts of vehicle enhancement or written statements by qualified experts to determine the proper value.

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15. What if I want to keep my vehicle after it is totaled?

You have the right to retain ownership of the vehicle, but the amount of the settlement may be reduced by the salvage value.

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16. Recommendations and precautions for your newly painted vehicle.

• Do not "dry wipe" your vehicle. Dry wiping can scratch the finish.

• Avoid parking under trees and utility lines which are likely to attract birds. Bird droppings have a high acid content and will damage a freshly painted surface. Also, tree sap can mar or spot a freshly painted surface.

• Do not spill gasoline, oil, antifreeze, transmission fluid, or windshield solvent on the new finish.

• Do not scrape ice or snow from the newly painted surface. Scrapers can act like a paint scraper on a newly painted finish.

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Phone: (731) 424-3303
FAX: (731) 424-3310


769 Airways Boulevard Jackson, TN 38301

One Mile West of 45 Bypass


Monday: 8 am–5 pm
Tuesday: 8 am–5 pm
Wednesday: 8 am–5 pm
Thursday: 8 am–5 pm
Friday: 8 am–5 pm
Saturday: CLOSED
Sunday: CLOSED