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Being involved in a car accident is stressful enough without having to figure out insurance paperwork, adjuster inspections, and repair approvals on your own. At Bob Rohrman Collision Repair Center in Lafayette, Indiana, we have spent more than 50 years helping drivers navigate the insurance claims process from start to finish. Our team of experienced repair advisors acts as your advocate, communicating directly with your insurance company, documenting every detail of the damage, and making sure nothing falls through the cracks.

Whether you carry coverage through a national carrier or a regional provider, our I-CAR Gold Certified facility is equipped to handle your claim efficiently and transparently. We believe you deserve a stress-free experience and a repair that restores your vehicle to its pre-accident condition—backed by our lifetime warranty on all work performed.

We Work with All Major Insurance Companies

Bob Rohrman Collision Repair Center has established working relationships with virtually every insurance provider in the country. Whether your policy is with State Farm, GEICO, Progressive, Allstate, Liberty Mutual, USAA, Erie Insurance, Nationwide, Farmers, American Family, Travelers, or any other carrier, we know how to work within each insurer's processes and requirements.

As a trusted direct repair facility, we can often expedite the approval and inspection process, getting your repair started sooner. Our advisors speak the language of insurance adjusters every day—they understand estimate formats, line-item coding, and the documentation standards each company expects. That expertise translates directly into a smoother, faster experience for you.

If your insurer is not listed above, do not worry. We work with all insurance companies, large and small. Simply bring your claim number and policy information, and we will take it from there.

Your Right to Choose Your Body Shop

One of the most important things to know after an accident is that you have the legal right to choose your own body shop. Indiana law protects this right. Your insurance company may suggest or recommend a particular shop—sometimes called a "preferred" or "direct repair" shop—but they cannot require you to use that facility.

No matter which shop you choose, your insurance coverage remains the same. Your insurer is obligated to pay for a proper repair regardless of where the work is performed. If an adjuster or claims representative pressures you to use a different shop, you can politely decline and direct them to Bob Rohrman Collision Repair Center. We will handle the coordination from there.

Choosing a shop you trust matters. When you bring your vehicle to our facility, you are choosing a team with I-CAR Gold Certification, factory-trained technicians, and a commitment to repairing your car to manufacturer specifications—not cutting corners to save the insurance company money. Learn more about our qualifications on our About Us page.

Our Insurance Claims Process

We have refined our claims process over decades to make it as simple and transparent as possible. Here is what you can expect when you bring your vehicle to Bob Rohrman Collision Repair Center:

  1. File Your Claim — Contact your insurance company to report the accident and obtain a claim number. If you need help with this step, our advisors can walk you through it over the phone at (765) 448-1100.
  2. Bring Your Vehicle In or Submit Photos — Drop off your vehicle at our shop or use our free 24/7 online photo estimate tool to get the process started from your phone.
  3. We Handle the Adjuster — Our team coordinates the insurance inspection, whether the adjuster visits in person or reviews a virtual estimate. We write a thorough, line-by-line repair plan and submit it directly to your insurer for approval.
  4. Supplement if Needed — Once we begin disassembly, hidden damage is often discovered behind panels and trim. We document all additional damage with detailed photographs, submit a supplement to your insurance company, and obtain approval before proceeding.
  5. Expert Repair — Our I-CAR Gold Certified technicians restore your vehicle to factory specifications using OEM and OEM-equivalent parts, advanced repair techniques, and computerized paint matching.
  6. Quality Inspection & Delivery — Every repair undergoes a multi-point quality inspection. Your vehicle is cleaned, detailed, and returned to you looking its best—backed by our lifetime warranty.

Throughout every step, we keep you informed with status updates so there are no surprises.

Understanding Your Insurance Coverage

Insurance policies can be confusing, especially when you are dealing with the aftermath of an accident. Here is a quick overview of the most common coverage types that apply to collision repair:

  • Collision Coverage — Pays for damage to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. You will pay your deductible, and your insurer covers the rest.
  • Comprehensive Coverage — Covers damage caused by events other than a collision, such as hail, theft, vandalism, falling objects, or animal strikes. Comprehensive claims typically do not affect your insurance rates.
  • Liability Coverage — If you caused the accident, your liability coverage pays for damage to the other party's vehicle and property. It does not cover your own vehicle repairs—that is what collision coverage is for.
  • Rental Car Coverage — Many policies include rental reimbursement, which pays for a rental vehicle while your car is being repaired. Check your policy or ask your adjuster about daily limits and maximum coverage periods.
  • Diminished Value — In Indiana, you may be entitled to compensation for the loss of market value your vehicle experiences after being involved in an accident, even after a perfect repair. This is typically pursued through the at-fault driver's insurance.

Not sure what your policy covers? Bring your declarations page to our shop and our advisors will help you understand your coverage and out-of-pocket costs before any work begins.

What If the Other Driver Was at Fault?

If another driver caused the accident, you generally have two options for getting your vehicle repaired:

  • File Through Your Own Insurance (First-Party Claim) — Use your collision coverage to get the repair started quickly. You pay your deductible up front, and your insurer pursues the at-fault driver's insurance company to recover both their payout and your deductible through a process called subrogation.
  • File Against the At-Fault Driver's Insurance (Third-Party Claim) — Contact the other driver's insurer directly. You will not owe a deductible, but the process can take longer because the other company must accept liability before authorizing repairs.

In many cases, filing through your own insurance first is the faster route. Once subrogation is successful, your deductible is refunded. Our team can help you weigh the pros and cons of each approach based on the specifics of your accident. We also assist with documentation that supports diminished value claims, ensuring you have the evidence needed to recover the full value you are owed.

Serving Lafayette, West Lafayette & Tippecanoe County, Indiana

Located at 3400 National Drive in Lafayette, IN 47905, Bob Rohrman Collision Repair Center is conveniently positioned to serve drivers throughout Lafayette, West Lafayette, and the greater Tippecanoe County, Indiana area. We also regularly work with customers from Frankfort, Crawfordsville, Delphi, Monticello, and surrounding communities.

With over 50 years of service to the Greater Lafayette area, we have built lasting relationships with local insurance agents and adjusters, which often helps expedite approvals for our customers. Whether you are a Purdue University student, a local business owner, or a long-time resident, our team treats every customer like family. Visit our service area page for a full list of communities we serve.

Frequently Asked Questions About Insurance Claims

Do I have to use the body shop my insurance company recommends?

No. Under Indiana law, you have the right to choose any licensed body shop for your collision repair. Insurance companies cannot require you to use a specific shop, and your coverage remains the same regardless of which shop you select. Bob Rohrman Collision Repair Center works with all insurance providers.

Will my insurance rates go up if I file a claim?

Rate increases depend on your insurer, policy terms, and the circumstances of the accident. If you were not at fault, most insurers will not raise your rates. Comprehensive claims such as hail or theft also typically do not result in rate increases. Our advisors can help you understand what to expect for your specific situation.

What is a supplement and why might my repair need one?

A supplement is an additional repair authorization requested after hidden damage is discovered during disassembly. Initial estimates are written based on visible damage, but once panels are removed, additional damage is often found. We document all supplemental damage with photos, submit it to your insurer for approval, and keep you informed throughout the process.

How long does the insurance claims process take?

Most insurance claims are approved within one to three business days after filing. The overall repair timeline depends on the extent of the damage and parts availability, but a typical collision repair takes five to ten business days. We provide regular status updates and coordinate directly with your insurer to avoid delays.

Do I have to pay my deductible up front?

Yes, your deductible is your financial responsibility and is typically due when you pick up your repaired vehicle. The insurance company pays the remaining balance of the repair cost directly to the shop. If the other driver was at fault, you may be able to recover your deductible through their insurance company via subrogation.

WE HANDLE THE INSURANCE — YOU GET BACK TO YOUR LIFE

Need Help With an Insurance Claim?

Whether you have already filed a claim or you are not sure where to start, our advisors are here to guide you through every step. Call us, stop by, or submit your photos online to get started today.

All insurance companies accepted
We handle all paperwork
Lifetime warranty on repairs
I-CAR Gold Certified
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