Auto Body Insurance Claims Assistance in Lodi, NJ

Your Expert Liaison for Fair Claims and Factory-Safe Repairs.

Let Professionals Take the Stress Out of Your Insurance Claim

Dealing with an accident is stressful, but navigating the insurance claim doesn’t have to be. At Mizzoni’s Auto Body, we provide stress-free auto repair insurance assistance to ensure your vehicle is restored to OEM factory standards, not just the “cheapest possible” standard.

We serve as your professional advocate from the first estimate to the final safety calibration, providing expert help for car repair claims and handling all negotiations so you don’t have to

Get Your Vehicle to Safety Now

Don’t stay stranded; whether it’s 2 PM or 2 AM, our team is ready to recover your car and bring it directly to our secure facility.

973.777.7115

Your Legal Right to Quality Repairs in New Jersey

Many drivers don’t realize that under New Jersey Administrative Code (Title 11:3-10.3), you have the absolute right to select the repair facility of your choice.

Insurance companies may “suggest” or even “pressure” you to use their “Direct Repair Network” shops to save themselves money, but they cannot legally dictate where you seek auto repair services. As the vehicle owner, you have the final word on who restores your car’s safety and value.

We work with all major insurance companies, but we work for you. Our commitment to transparency is why we are the top-rated auto body shop in Lodi, NJ, offering reliable vehicle insurance help when you need it most. We ensure your car’s safety and resale value are protected, and not the insurer’s bottom line.

What to say (or not say) when filing an insurance claim?

When speaking to an adjuster, never admit fault or even say “I’m sorry” (this can be used against you). Do not speculate, guess, or downplay your injuries. Always stick to the facts and say you are waiting for a medical evaluation if required.

What to avoid saying or say instead:

Never Admit
Fault

Even a polite apology can be used as an admission of liability.

Don't Speculate or Overshare

Stick to the facts. Do not offer personal information, past accidents, or unrelated details.

Don't Downplay Injuries

Adrenaline can mask pain for hours or days, so avoid saying “I’m fine”. Instead, say, “I am waiting to be evaluated by a doctor.”

Don't Accept the First Settlement Check

Don’t sign releases or accept settlements too quickly without professional insurance claim support.

You don’t have to navigate these high-stakes conversations alone. Get detailed auto repair claim support with our experts before you sign any insurance paperwork.

Expert Claims Handling for Every Major Insurer

We coordinate daily with every major carrier in the Tri-State area, including NJM (New Jersey Manufacturers), GEICO, Progressive, State Farm, Allstate, Liberty Mutual, USAA, and Travelers.

Mizzoni's Auto Body works with NJM (New Jersey Manufacturers) insurance claims in Lodi, NJ.

Mizzoni's Auto Body works with GEICO insurance claims in Lodi, NJ.

Mizzoni's Auto Body works with Progressive insurance claims in Lodi, NJ.

Mizzoni's Auto Body works with State Farm insurance claims in Lodi, NJ.

Mizzoni's Auto Body works with Allstate insurance claims in Lodi, NJ.

Mizzoni's Auto Body works with Liberty Mutual insurance claims in Lodi, NJ.

Mizzoni's Auto Body works with USAA insurance claims in Lodi, NJ.

Mizzoni's Auto Body works with Travelers insurance claims in Lodi, NJ.

How long does an auto repair insurance claim take in New Jersey?

According to New Jersey state guidelines for car repair insurance, first-party claims (your own insurance) have to be settled within 30 days, while third-party claims (the other driver’s insurance) must be settled within 45 days. Insurers must contact you within 10 working days of notification and inspect your vehicle within 7 working days.

Initial Investigation

The insurer must contact you within 10 working days and inspect the car within 7 working days if needed.

Settlement Deadline

First-party physical damage claims must be settled within 30 days, while third-party claims may take up to 45 days. Insurers must provide a written explanation for any delay. Simple claims are often finalized in 2 to 4 weeks.

Final Payment

Once a settlement amount is agreed upon, the payment must be issued within 10 working days.

At Mizzoni’s, we monitor every deadline and push the insurance company to ensure they follow NJ guidelines and issue your payment on time.

Documents Needed for Car Repair Claims

To speed up your claim and car repair process, you’ll need the following resources and documents ready when you visit our Lodi facility:

Policy Information

Your insurance card or just the policy number.

Incident Facts

The specific date, time, and location of the accident, along with a brief description of how the accident occurred and the visible damage.

Evidence

Any photos you took of the damage or the accident scene.

Driver Contact Details

Your contact information and your relationship to the policyholder (if you are not the primary insured).

Legal Docs

Your driver's license, vehicle registration, and the police report case number (if applicable).

Hassle-Free 3-Step Process to File Your Auto Repair Insurance Claim

If you need help with filing an auto insurance claim, we will guide you through every step of the process and ensure your experience is completely hassle-free.

Claim Concierge Hand-Off

Bring us your vehicle and the documents from the above list, and we’ll take over from there. We handle all photos, documentation, and communications with the insurance adjuster directly.

The "Teardown" & Supplemental

Initial insurance estimates are often “visual only” and intentionally low. We perform a complete vehicle teardown to find hidden structural damage and file a supplemental claim to ensure the insurer pays for 100% of the true damage, not just what they saw in photos. This also allows us to provide a lifetime warranty on every repair.

OEM & Tech Advocacy

We negotiate tirelessly to use Original Equipment Manufacturer (OEM) parts rather than cheap aftermarket imitations. We also ensure all ADAS sensors (lane-assist, cameras) are recalibrated to factory specs.

What does auto repair insurance cover?

Auto repair coverage primarily consists of collision and comprehensive policies that provide financial assistance for specific vehicle repair claims resulting from accidents, theft, vandalism, or natural disasters, typically minus your deductible. Your specific policy terms can also include liability for damages you cause to others, and whether you receive factory-original (OEM) parts.

Key components of auto body coverage:

Collision
Coverage

Pays to repair your vehicle if you hit another car, an object, or roll over, regardless of who is at fault.

Comprehensive Coverage

Pays for “non-collision” damage, such as theft, fire, vandalism, falling objects, hail, or hitting an animal.

Property Damage Liability

Covers the repair costs for other people’s property (their car or structures) if you are at fault.

Uninsured/Underinsured Motorist

Pays for your vehicle’s repairs if the driver who hit you has no insurance or insufficient coverage to pay the bill.

Insurance Claims FAQ & Honest Answers

Should I file an insurance claim for my car damage?

You need not file a claim to repair every scratch or dent. If the repair cost is close to your deductible amount, filing a claim might unnecessarily raise your premiums. Mizzoni’s will provide free, honest automotive repair guidance to help you decide if filing a claim is financially worth it or if a private repair is smarter for your long-term rates.

Do I need to get three estimates?

No. In New Jersey, you are only required to obtain one estimate from the shop where you intend to have the work performed.

What if the insurance estimate is lower than Mizzoni’s estimate?

This is standard. Initial insurance estimates are often for visual damage only. Once we disassemble the vehicle, we often find structural damage. We file a supplemental claim on your behalf to ensure the insurance company pays for 100% of the necessary safety repairs.

Will my insurance rates go up if I choose Mizzoni’s?

No. Your right to choose a shop is protected by law. Your rates are determined by the accident fault and your policy, not the specific licensed facility you choose.

What if the insurance company wants to use used or "aftermarket" parts?

This is where we advocate for you. We push for OEM parts whenever possible, especially on structural components and safety tech, to maintain your vehicle’s factory warranty.

When do I pay my deductible?

You pay your deductible to Mizzoni’s Auto Body when you pick up your finished vehicle. You do not pay it to the insurance company. If you are not at fault, your insurance company may eventually waive or reimburse your deductible (subrogation), but this depends on the specific claim details.

Does Mizzoni’s provide a loaner car during the claim?

We coordinate with your insurance’s rental car coverage (like Enterprise or Hertz) and can arrange for your rental to be dropped off right at our Lodi facility for a seamless transition.

Ready to get back on the road?

You’ve been through enough stress. Let the experts at Mizzoni’s handle the adjusters and the repairs so you can focus on moving forward with total peace of mind.