Insurance & Claims

Your Right to Choose. Our Job to Advocate.

Under Maryland law, you — not your insurance company — decide where your vehicle is repaired. We work with every major insurer and protect your interests throughout the process.

Maryland Law

You choose your repair shop.

Maryland insurance regulations guarantee your right to select any licensed collision facility for repairs. Your insurer may suggest a network shop — but you are never obligated to use one.

Choosing a factory-certified facility like SOMCC protects your vehicle's safety systems, structural integrity, manufacturer warranty, and resale value. We will not perform shortcuts to satisfy an insurer's preferred estimate.

Steering Notice

If an insurance representative pressures you toward a specific shop, that practice is called "steering" and is regulated in Maryland.

Simply respond: "I am choosing Safford Owings Mills Collision Center." That sentence is your full legal answer.

The Claims Process

We handle the paperwork. You drive.

01

File or share your claim

Bring your claim number — or we'll help you file.

02

Estimate & inspection

We document all damage to factory standards.

03

Insurer coordination

We negotiate parts and procedures directly with your carrier.

04

Approved & repaired

Repair proceeds under factory procedures with OEM parts.

Carriers We Bill Directly

Every major insurer. Direct billing.

GEICO
STATE FARM
PROGRESSIVE
ALLSTATE
USAA
NATIONWIDE
LIBERTY MUTUAL
FARMERS
TRAVELERS
ERIE
METLIFE
CHUBB

Don't see your carrier? We work with every licensed auto insurer in Maryland.

Have a claim number? Get started in minutes.

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