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Whenever life happens, we happen. We are your best partner in navigating life's little accidents. We also understand that accidents happen on their own schedule, so that's why we're prepared to support you from the beginning and offer the royal treatment the moment you call.
If I could give Bryon Dilley 10 stars, I absolutely would. These last few weeks have been extremely rough on my family, and part of that was my car breaking down. I left work and got to my car, and it wouldn't start.
Even though we were his last tow of the day, Bryon took the time to look at the car and figure out what was going on with it, to try and save us some trouble and repair costs. He was patient, and even let us use his gas can, just in case the angle of the car had anything to do with my car not starting. I was beyond impressed with everything he did before he even hooked the car up. Genuinely a customer-oriented driver.
We also had the privilege of Bryon being our tow driver to get a second opinion, and he stood up for us when the dealership was being difficult despite open communication. If Bryon is towing your car, I guarantee it's in excellent hands!
R2
RUFFIAN 26G
Aug 18, 2025
5.0
Outstanding tow truck drivers that remember your name and are extremely personable!
KG
Kurt Gelman
Jan 30, 2023
5.0
Had insurance work done on our vehicle. Everyone was very friendly & the work was great.
AK
Alex Morris (Killergunz)
Sep 10, 2015
5.0
When I had a tire go flat, I looked, searched up and down to find... that Mini Cooper S does not come with a spare tire. (Verified after calling Baron Mini/BMW). That's when Collision Repair Specialists came and saved the day! Even after Geico Road Side assistance gave them the wrong address, the driver Jeremy (I hope I got your name right, it's been a long day....) was fast, professional and extremely helpful.
Thanks a million!
Frequently Asked Questions About Collision Leaders of St Joseph
Where do I get a claim number?
Claim numbers are issued by your insurance company at the time you report your accident. Just jot it down and bring it in with you when you come in to begin the repair process, we will do the rest.
Do I need more than one estimate
No, it is up to you to decide how many estimates you would like and if you want to discuss the repairs with more than one shop. If you have selected a shop, have your insurance company deal directly with them.
Who do I pay my deductible to?
It will be your responsibility to pay Collision Leaders when you pick up your vehicle.
Can the shop help bury my deductible?
No. When you purchased your insurance policy, you signed a contract saying you will pay the first amount of the claim up to your deductible. Repairers should not be asked to hide the deductible. That practice would constitute fraud by both the shop and consumer. The penalties for insurance fraud are severe. If a shop offers to save your deductible, they are absorbing that at your cost. They are not doing the said repairs in order to make up for your deductible. This could lead to unsafe and unsatisfactory repairs which will ultimately cost you at some point.
What is Subrogation?
Subrogation is the process by which your insurance company pays for the repairs to your vehicle, and is obligated to collect from another insurer or party. Your collision coverage will require you to pay your deductible, which may be refunded once the other party pays.
The other insurance company says my car is a total loss. What does that mean?
The cost of repairs plus the value of the vehicle in damaged condition (salvage value) is greater than the actual cash value (ACV) of the vehicle prior to the accident.
How is Actual Cash Value (ACV) determined?
The insurance company will assign an appraiser to inspect the vehicle to determine its condition prior to the accident, or in some instances allow the repairer to make the determination. They may use a vehicle evaluation service or the newspaper to determine pre-accident value. The owner should also determine the value independently.
Is the ACV negotiable?
Sometimes. If you feel the ACV offered by the insurance company is too low, then you are obligated to prove this either through documented receipts of vehicle enhancement or written statements by qualified experts to determine the proper value.
Will my insurance company pay for a rental?
Yes, if you have rental coverage. Also check with your agent or insurance company to see how much of the rental is covered; some policies pay the full amount, some will only pay a percentage. If the claim is a liability claim (the accident was not your fault), the full amount will be covered.
Can I have my vehicle repaired at the shop of my choice?
Yes, it is your responsibility, and your right, to choose who will repair your vehicle. Also, if you cannot decide on a repair facility, your insurance company can recommend a repair shop. Many insurance companies offer direct repair programs that take the hassle out of the claim process and provide for quicker repairs.
How will I know when my repair is complete?
You will be notified by phone when your vehicle is ready to be picked up. Please call or e-mail your advisor during the repair process if you have questions or concerns.
Is there a warranty on the repair to my vehicle?
Yes. We guarantee all of our repairs with a written limited lifetime warranty.
When can I wash my vehicle?
Do not use a commercial brush car wash. Stiff brushes or sponges could mar the finish and damage the surface.
When can I wax my vehicle?
Do not wax or polish the vehicle in the first 90 days. This will allow the finish to cure completely. After the first 90 days keep a coat of polish or wax on the vehicle. This will help keep your finish looking new.
How do I care for my newly painted vehicle?
1. Do not “dry wipe” your vehicle. Dry wiping can scratch the finish.
2. Avoid parking under trees and utility lines which are likely to attract birds.
2.1. Bird droppings have a high acid content and will damage a freshly painted surface.
2.2. Also, tree sap can mar or spot a freshly painted surface.
3. Do not spill gasoline, oil, antifreeze, transmission fluid, or windshield solvent on the new finish.
4. Do not scrape ice or snow from the newly painted surface. Scrapers can act like a paint scraper on a newly painted finish.
What if I want to keep my vehicle after it is totaled?
You have the right to retain ownership of the vehicle, but the amount of the settlement may be reduced by the salvage value.
How can I get a rental car?
If you need a rental car, we can help you make the necessary arrangements.
Where do I get a claim number for my repair?
Claim numbers are issued by your insurance company when you report your accident. Bring it with you to start the repair process, and we will handle the rest.
Do I need to get estimates from more than one auto body shop?
No, it's up to you how many estimates you'd like. If you've selected our shop, have your insurance company deal directly with us for hassle-free service.
When and how do I pay my deductible?
You will pay your deductible directly to Collision Leaders when you pick up your vehicle after repairs are complete.
Can Collision Leaders help me arrange a rental car during repairs?
Yes, if you need a rental car, we can assist you in making the necessary rental arrangements.
What certifications does Collision Leaders of St Joseph have?
We have numerous certifications including I-CAR Gold Certified Technicians and certifications from major brands like GM, Ford, Honda, Subaru, Nissan, Toyota, Hyundai, Kia, and FCA US LLC.
What are your business hours?
We are open Monday through Friday from 7:00 AM to 5:00 PM and closed on Saturdays and Sundays. Please note closures on holidays like November 27th, December 25th, and January 1st.
Does Collision Leaders offer pickup and delivery services for vehicle repairs?
Yes, we offer in-store pickup, curbside pickup, and delivery services for your convenience.
What nearby places can I visit while waiting for my vehicle repair?
Nearby, you can enjoy dining at Primavera Italian Restaurant or grab a meal at McAlister’s Deli. For a quick bite, MrBeast Burger and Perkins Restaurant & Bakery are close by as well.
Are there nearby rental car agencies if I need immediate transportation?
Yes, Hertz Car Rental on Frederick Avenue is nearby, so you can easily rent a car while your vehicle is being repaired.
What nearby automotive services can assist me besides Collision Leaders?
Other nearby automotive services include Collision Repair Specialists, Xpress Mechanical Services, NAPA Auto & Race, and Reed Collision St. Joseph for additional repair or parts needs.