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Repair Network, Total Loss, and Shops

This page collects repair shop selection, repair partners, warranties, repair process, total loss, ACV, and repair-related exceptions.

Repair shop selection

As a general rule, repairable accident damage must be repaired at a GDC partner repair shop.

If no contracted auto repair body shop is available within a 25-mile radius of the member's address linked to the member's profile, the member may choose their own repair shop or travel to a GDC partner shop.

When no contracted shop is available within 25 miles and the member chooses their own shop, the sharing payout is issued directly to the member, and the member is responsible for paying their shop of choice. GDC should not be held responsible for disputes between the member and their own selected shop.

If the accident involves two or more parties and the at-fault party's insurance covers repair costs, members must arrange their own repairs and file a claim directly with the at-fault party's insurance company.

Repair network and partners

GDC partners with nationwide and local repair shop alliances that offer thousands of quality repair shops.

Repair partner information includes:

  • Innovation Group, with over 2,700 collision repair shops across the United States.
  • ServiceUp for end-to-end repair management, including vehicle pick-up and delivery coordination.
  • Safelite Auto Glass for glass repair and replacement, including ADAS recalibrations.
  • Nexterra for paintless dent repair for hail damage.
  • ELITEK for diagnostics, calibrations, and electrical services.
  • ScoutWorks and Claim Solutions for on-site inspections and repair estimates when no local shop is available.
  • DCI Solution for total-loss valuations.
  • Copart for salvage auctions.
  • LKQ Corporation for aftermarket and recycled auto parts.

These partners provide access to over 5,000 vetted repair shops nationwide.

GDC currently cannot provide the full in-network repair shop list in the app. Sales guidance says the full list of repair shops is proprietary to Innovation and considered a trade secret, so it cannot be shared in its entirety.

Parts and repair warranty

To maximize the effectiveness of members' sharing contribution dollars, damaged parts must be replaced by alternative non-OEM parts whenever available and cost-effective, unless safety-related.

Alternative, aftermarket, remanufactured, and reconditioned parts carry manufacturer warranties.

Contracted Auto Body Repair Shops provide a lifetime repair warranty as long as the member owns the vehicle. This covers fit, finish, and repair quality. Parts have their own warranties, which members access through shops.

When members use in-network repair shops, the Auto Repair Body Shop works with GDC and the designated TPA throughout the repair process to address issues that may arise during or after repairs are completed.

The shop is expected to interact and conduct business with the member in a professional and courteous manner to support a satisfactory service experience.

For critical safety components, or when premium alternatives are unavailable, Original Equipment Manufacturer parts may be used to uphold safety and performance standards.

Repair progress and special repair situations

Repair time varies based on damage extent, parts availability, shop scheduling, and weather conditions. Minor repairs can take several days; severe damage can take four to six weeks or more.

Members can check eligible event status and progress in the GDC app after an event is approved and created.

If an incident damages multiple parts and the repair shop needs more than one repair visit, this is rare. Each estimate GDC receives from the body shop will be announced separately to the community the following Monday after receipt.

If a member is not satisfied with repair results, the member should first return to the body shop and request additional repairs. If the shop does not comply, GDC will contact the repair network leadership or corporate headquarters for multi-shop operations to address the issue. The member can contact the adjuster assigned by GDC for help.

For Tesla vehicles, GDC first tries to arrange service with a Tesla Certified Shop. If no qualified Tesla Certified Shop is within 25 miles of the member's address, the member may choose a repair shop on their own. The repair cost can still be shared if it meets GDC requirements.

Total loss and actual cash value

Actual Cash Value is calculated by determining the vehicle's replacement cost and then subtracting depreciation. Replacement cost is based on current market value of a comparable vehicle with the same make, model, year, condition, and mileage.

Depreciation reflects decreased value due to wear and tear, age, mileage, and other factors. Additional factors may adjust the value, such as recent repairs or unique features. Prior damage or unique problems may reduce value.

A vehicle is deemed a total loss when:

  • Repair cost exceeds actual cash value.
  • Repair cost exceeds a state-mandated threshold.
  • A salvage title is required.
  • The vehicle is stolen and unrecovered.
  • The vehicle cannot be restored to pre-loss condition.

A vehicle may be identified as total loss during first notice of loss, damage assessment, or while at a repair shop.

Once total loss is identified, valuation begins to determine ACV. A dedicated professional contacts the member to provide the ACV, secure permission to move the vehicle to a contracted salvage vendor, make salvage assignment, and provide title-signing and documentation instructions.

Before a member can receive the Authorized Sharing Amount, all necessary documentation must be completed and delivered to the salvage vendor.

If the vehicle is triaged as total loss at the beginning, the TPA partner assigns Copart to pick up the vehicle from the member or original tow location. Copart will not pick up from the accident scene. If total loss is determined while the vehicle is at the repair shop, Copart is assigned to tow from the repair shop.