PAYMENT POLICY - Vehicle owner accepts the financial responsibility for repairs to said vehicle.
Card Processing Convenience Fee: A 2% convenience fee will be applied to all collision repair payments made using credit, debit, or check cards. We also accept Insurance checks, Cashier's checks, Money orders, and Cash with no additional fees.
Personal and Business Check Payments: accepted only if received 14 days prior to repair scheduled start date.
Returned Check Fee: If a check payment is returned unpaid for any reason, the customer agrees to pay the full amount of the check plus a $30 returned check fee within 24 hours of notification. Payment must be made by cash only.
Customer Pay: A 50% deposit of the Estimate of Record is required no later than two weeks prior to the vehicle’s scheduled repair date.
Third Party Pay: 100% of the Estimate of Record is due no later than two (2) weeks prior to the vehicle’s scheduled repair date. Please note that our agreement is exclusively with you, the vehicle owner, and not with any third-party payer. Smitty’s does not offer third-party billing. As the vehicle owner, it is your sole responsibility to obtain payment or reimbursement from your insurance company or any other third party. Smitty’s assumes no responsibility for any delays, denials, or nonpayment by third parties. All repair costs remain the full responsibility of the vehicle owner until payment has been received, verified, and cleared by Smitty’s. Any remaining balance must be paid in full at the time of vehicle delivery. It is solely the customer’s responsibility to pursue and secure reimbursement from any third-party payer.
Change from Customer/Third Party Pay to Insurance Claim: If the vehicle owner or third-party payer elects to switch to insurance coverage after repairs have commenced, the customer may be responsible for additional charges, including an administrative fee of up to $250 and any portion of the repair costs not covered by the insurance provider.
Vehicle Completion: Vehicles are expected to be picked up within 24 hours of notification of completion unless other arrangements are made. If a vehicle is not picked up within three (3) days of notification, Smitty's reserves the right to assess storage fees at our posted daily rate.
Final Bill: All customer-responsible repair costs must be paid in full before the vehicle will be released.
Insurance Payment/Financial Responsibility/Verification: I acknowledge and agree that if I receive payment from an insurance company for the purpose of covering repair costs, I am required to promptly remit the insurance check to Smitty’s or provide an alternative form of payment acceptable under the terms of the repair agreement. I acknowledge payments from insurance must be verified, if a payment cannot be verified by proof of payment or other acceptable documentation, I understand and agree that it is my responsibility, as the vehicle owner, to pay for all repair costs in full at the time of vehicle delivery. I further acknowledge that Smitty’s reserves the right to withhold release of the repaired vehicle until such payment has been received, verified, and cleared in full. I further acknowledge I will be reimbursed once the insurance payment is received by the Smitty's.
Customer Financial Responsibilities: I also acknowledge that I am responsible for any of the following but not limited to: Deductible amounts, Adjustments for depreciation and/or betterment, and Any portions of labor, parts, or materials not covered by my insurance, as required by state law to restore my vehicle to its pre-accident condition. If Smitty’s is not a direct repair facility for my insurance company, I acknowledge and accept responsibility for any labor rate differences or additional costs not covered by insurance.
Insurance Follow-Up and Payment Authorization: In certain cases, your assistance may be required to follow up with the insurance company to ensure the timely progression of the repair process, receipt of necessary documentation, and issuance of payments. If the insurance company does not respond to Smitty’s submission for supplements and/or payments, it will be the customer’s responsibility to contact and follow up with the insurer directly. This may include, but is not limited to, matters such as supplement damages identified during the repair process, final supplement adjustments, or insurance payments.