Who Are the Best US Auto Insurers in Paying for Auto Body Repairs?

A new study claims that the best known names are poorest in paying for quality repairs.

Found online

The study is based on a survey of auto body repair shops regarding four common repair operations:

  1. Denib: Performed in detail bay, process of sanding/buffing paint in order to remove any dirt, particles etc. in clear coat and restoring glossiness to match OEM [Original Equipment Manufacturer] finish.
  2. Feather, block, prime: Key element of the painting preparation process, including a primer coat to protect the surface being painted and ensure paint adhesion. https://www.youtube.com/watch?v=GcY7sq8VjH8
  3. Mask during prime; masking surfaces not to be painted.
  4. Match OEM texture: match the texture of the original paint

In the survey, companies were rated on whether they pay for these services “never,” “some of the time,” “most of the time,” or “always.”

The companies that do the best on paying for these services are the lesser well known names, including Acuity, Amica, Chubb. Erie Insurance, North Carolina Farm Bureau, Oregon Mutual and PURE Insurance

The companies that do poorly in paying for these services are the big advertisers: Allstate, Farmers, GEICO, Liberty Mutual, Nationwide, Progressive, State Farm and USAA.

When your insurer is paying for a repair to you car, do you expect them to cut corners? Do you want them to? Or do you think for what you’re paying, you deserve a correct, quality repair?

Disclosure: I don’t sell auto insurance and don’t represent any of these companies directly. I do represent Combined Worksite, a Chubb company that provides voluntary employee health benefits.


  1. https://www.insurancebusinessmag.com/us/news/breaking-news/these-insurers-are-more-likely-to-pay-claims-says-new-report-228055.aspx?utm_source=GA&utm_medium=20200716&utm_campaign=Newsletter-20200716&utm_content=623F0AA8-9B78-44C9-AB70-F65B8EB6DBD3&tu=623F0AA8-9B78-44C9-AB70-F65B8EB6DBD3
  2. http://showtimeautobody.com/glossary-of-auto-body-terms/
  3. https://www.youtube.com/watch?v=GcY7sq8VjH8. YouTube is a magnificent source for information and instruction on how to do proper auto repairs, covering everything from dents and brake pads to transmissions.

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