Using insurance is the safest way to ensure that you do not incur unexpected costs. If someone hits your vehicle and does not want to use insurance, we will help make arrangements for him or her to pay for your collision repairs before you visit our Surrey, BC shop, but there is always a potential for things to go wrong. Insurance companies have procedures in place to deal with hidden damages and changes to your estimate, but individuals do not. You will safeguard yourself by using insurance to cover all auto body repairs. Once the claim is completed, however, most insurance companies will allow the offending party to pay the cost, thus protecting his or her driving record.