Insurance writes a low estimate. Your customer can’t cover the gap. You either cut corners on the repair — or eat the difference.

There’s a better option. Your customer may have a legal right to the full repair cost, and referring them takes less than 60 seconds.

The Problem Auto Body Shops Face Every Day

Insurance companies routinely underpay collision and comprehensive claims. They push back on labor rates, flag parts as unnecessary, insist on aftermarket components, and deny recalibration costs.

Your estimate is accurate. Their payout isn’t. That gap falls on your customer — and sometimes on your shop’s relationship with them.

What You Can Do: Refer Them to Us

When a customer’s insurance payout doesn’t cover what the repair actually costs, give them this card or point them to this page. We offer a free case review — no cost, no obligation.

Under Washington’s Insurance Fair Conduct Act (RCW 48.30.015), drivers who file first-party claims (collision, comprehensive, UIM) have legal protections against unreasonable underpayment. If the insurer violated that law, the customer may recover:

The full cost of proper repairs
Attorney’s fees in qualifying cases
Additional damages for unreasonable conduct

How the Referral Works

1. Customer contacts us — by phone or online. Takes 5 minutes.

2. We review the claim — free, no obligation. We assess whether the insurer’s conduct is actionable under Washington law.

3. If we take the case — we work on contingency. The customer pays nothing unless we recover for them.

4. If we recover — the customer gets what they’re owed. The repair can be done properly. Your shop gets paid what the work is actually worth.

Why Shops Refer to Elsner Law

✔ No Cost to the Customer Unless We Win

We work on contingency — so there’s no barrier to your customer getting a review.

✔ We Focus on First-Party Insurance Claims

Collision, comprehensive, UIM — exactly the claims where insurers cut estimates.

✔ Washington-Based, Washington Law

We practice in Washington and know exactly how to apply the IFCA to auto damage cases.

✔ Fast Response

We aim to respond to every referral within one business day.

Ready to Refer a Customer?

Have them call us directly or send them to our free case review page.

📞 Call: 206-447-1425
🌐 Customer review page
Or contact us online — we’ll follow up within one business day.