How to File an Insurance Claim for PDR Repairs – Step-by-Step Guide

If your car has been damaged by hail, parking lot dings, or minor accidents, you may be able to file an insurance claim for Paintless Dent Repair (PDR). Many comprehensive auto insurance policies cover PDR because it’s more affordable than traditional dent repair.

However, navigating the claims process can be confusing. That’s why we’ve put together this step-by-step guide to help you file your PDR claim easily and get your car repaired quickly.

Does Insurance Cover Paintless Dent Repair (PDR)?

✔ Yes! Most comprehensive insurance policies cover PDR for hail damage, door dings, and minor dents.
✔ PDR is often fully covered, meaning you may have little to no out-of-pocket costs.
✔ Unlike traditional repairs, PDR does not affect your car’s factory finish, making it the preferred repair method for many insurers.

💡 Check your policy to confirm PDR coverage under your comprehensive plan!

Step-by-Step Guide: How to File an Insurance Claim for PDR

Step 1: Assess the Damage & Check Your Policy

✔ Take clear photos of the dents from multiple angles.
✔ Check your insurance policy for comprehensive coverage (liability-only policies won’t cover PDR).
✔ Look for any deductibles you may need to pay.

💡 Not sure if your insurance covers PDR? Call us, and we’ll help you review your policy!

Step 2: Contact Your Insurance Provider

✔ Call your insurance company’s claims department and report the damage.
✔ Provide details about how the damage occurred (hailstorm, parking lot ding, minor collision, etc.).
✔ Request an insurance-approved PDR repair shop, or ask if you can choose your own.

💡 Autoworks of Nashville is an insurance-approved PDR provider—mention us when filing your claim!

Step 3: Get an Inspection & Repair Estimate

✔ Your insurance company may send an adjuster to inspect your car.
✔ Alternatively, they may ask you to visit a certified PDR repair shop for an estimate.
✔ At Autoworks of Nashville, we provide free PDR estimates for insurance claims.

💡 Schedule a free inspection with us to speed up your claim process!

Step 4: Approve the Insurance Claim & Schedule Repairs

✔ Once your claim is approved, you’ll receive a settlement or direct payment for repairs.
✔ If your policy has a deductible, you may need to pay that portion out of pocket.
✔ Book your PDR appointment with us for fast, same-day service.

💡 Many insurance-approved PDR repairs take just a few hours—no long waits like body shops!

Step 5: Get Your Car Repaired & Back on the Road

✔ We perform professional PDR repairs, restoring your car’s original look without repainting.
✔ After the repair, we provide documentation for your insurance records.
✔ Your car is back on the road—dent-free and factory-perfect!

💡 PDR is quick, cost-effective, and hassle-free with insurance coverage!

Request a Free PDR Insurance Estimate

How Much Does Insurance Cover for PDR?

💡 Most comprehensive insurance policies fully cover PDR for hail damage and minor dents!

Frequently Asked Questions (FAQs)

Q: Will filing a PDR claim increase my insurance rates?
A: No! Comprehensive claims (like hail damage) usually don’t affect your rates, unlike collision claims.

Q: How long does it take for insurance to approve a PDR claim?
A: Most insurance companies approve PDR claims within a few days, especially for hail damage.

Q: Can I choose my own PDR repair shop?
A: Yes! You are not required to use the shop your insurance suggests—you can choose an expert PDR provider like us.

Q: What if my insurance denies my PDR claim?
A: If your claim is denied, we can provide additional documentation and work with your insurer to get approval.

📞 Still have questions? Call us for expert insurance assistance!