Insurance Games Exposed: The Hidden Cost of “Convenience Claims” and What Shops Must Start Telling Customers ---

Let’s cut through the crap.

Insurance companies love to sell convenience. “Snap a few photos, and we’ll handle it.” “No need for an inspection—just visit one of our preferred shops.” “We’ll get you back on the road fast.”

Sounds easy, right? But here’s the truth: that “convenience” is costing customers real money, value, and safety—and it’s silently bleeding body shops dry in the process.

It’s time we call it what it is: a well-designed hustle.

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What the Insurance Industry Doesn’t Want Customers (or Shops) to Know

These so-called convenience claims are about speed and cost containment—for them, not for you.

They discourage full disassembly, avoid thorough inspections, and brush off OEM procedures like they’re optional. The result?

Missed damage

No ADAS recalibrations

Lowball supplements

Diminished value swept under the rug

Unsafe vehicles back on the road

And who gets blamed when the customer realizes something’s wrong? You, the shop.

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How Convenience Claims Screw Shops

Insurance carriers bypass shops by pushing virtual inspections and photo estimates. Customers think it's legit—but you and I know better. Photos never show structural damage. They don’t catch clips, retainers, radar brackets, or blind spot sensor mounts.

By the time the car hits your floor, you're behind the eight ball. You’re now:

Fighting for proper repair time

Chasing supplements

Getting blamed for cost overruns

Being told “We won’t pay for that”

It’s not just frustrating—it’s crippling your shop's profit and reputation.

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Shops Have a Duty to Educate—and Stop Playing Along

Customers don’t know what they don’t know. And the insurer counts on that.

Your job?

Tell them the truth. Not to start a war—but to be the professional voice in the chaos.

Here’s what shops should start saying day one:

> “Your insurance company doesn’t fix cars—we do. We don’t work off pictures or shortcuts. We disassemble, document, and follow the manufacturer’s rules. If your car needs it, it gets done. That’s how we ensure it’s safe when your family gets back in it.”

And if the insurance company doesn’t like it?

Too bad. Your contract is with the customer—not the carrier. Stand on that.

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Convenience Isn’t Free—It’s Expensive as Hell

Customers deserve to know that “fast” often means improper.

That “approved shop” might be getting paid to look the other way.

And that once the check is cut, they’re stuck holding the bag if something goes wrong.

The truth is, proper repairs take time, effort, and expertise.

Shops like yours need to stop apologizing for that and start owning it.

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The Bottom Line:

Shops need to stop chasing approvals and start leading the repair.

Educate. Document. Communicate. And if the insurance company pushes back? Push harder—with facts, with law, and with confidence.

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Ready to fight back?

Download our free resource:

👉 “Hard Truths for Your Customers” Script Pack – Real-world explanations you can use at intake to set expectations and protect your shop from insurer games.

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Nexus Claim Services LLC

We help shops cut through insurance bullshit, get paid for proper repairs, and take back the keys.

Because fixing cars right isn’t optional—and neither is getting paid for it.