When do I pay my deductible?

2026-01-13

You typically pay your auto insurance deductible directly to the body or collision repair shop when you pick up your repaired vehicle, after the repairs are complete and once you are satisfied with the work.

Key Points About Deductible Payment

• Timing: The deductible is generally due at the end of the repair process, not upfront. You'll be notified when your car is ready, given a review of the completed work, and then provided a final statement that includes your deductible.
• Who You Pay: The payment is made to the repair shop-not your insurance company.
• Amount: The deductible amount is set by your insurance policy. For example, if repairs cost $2,000 and your deductible is $500, you pay $500 and your insurer covers the remainder.
• Exceptions: If your insurance company pays you directly (for example, if your car is declared a total loss and not repaired), they will subtract the deductible from your payout.
• Additional Costs: If you authorize extra repairs beyond what insurance covers, or opt for parts and services not approved by your insurer, you may owe more than just the deductible out-of-pocket.
• Payment Methods: Most shops accept multiple forms of payment, including cash, check, and major credit cards.
• Deductible Waivers: In rare cases, certain types of claims or specific insurance add-ons might waive your deductible-but this is uncommon, and shops cannot legally offer to waive your deductible on their own.

What to Do Next

1. Confirm your deductible amount by checking your insurance policy or contacting your insurance representative.
2. Communicate with your repair shop about accepted payment methods.
3. Do not expect to pay your deductible until you pick up your fully repaired vehicle and are satisfied with the work.

If you have further questions about your specific situation, your repair shop and insurance agent are the best resources for clarification.





What to Do After an Accident: Your Step-by-Step Guide from a Collision Repair Expert

2025-07-29

Accidents are never planned, and the aftermath can be overwhelming. At our collision repair center, we help clients through the process every day. Here's what you should do immediately after a crash and how to get your car professionally repaired:

1. Ensure Safety First

• Check yourself and passengers for injuries.
• Move your vehicle to a safe area if you can do so safely, and turn on hazard lights.
• Call 911 if anyone is hurt or if there is significant property damage.

2. Contact Authorities

• Call the police to document the accident. A police report is usually necessary for insurance and repair claims.
• Request a copy of the police report for your records.

3. Collect and Document Information

• Exchange names, insurance, and contact information with all parties involved.
• Take photos of vehicle damage, the scene, vehicle positions, and any relevant road or weather conditions.
• Gather witness information if available.

4. Notify Your Insurance Company

• Report the accident to your insurer as soon as possible.
• Provide all documentation and photos you've collected.
• Ask about coverage for towing, rental cars, and repairs.

5. Schedule a Collision Repair Assessment

• Book an appointment with a reputable collision repair shop-your insurance may recommend options, but you have the right to choose your shop.
• Certified shops will assess your vehicle, create a detailed repair estimate, and may coordinate directly with your insurance company for claim approval.
• Make sure to ask about OEM parts, digital repair tracking, and warranties on the work performed.

6. Understand the Repair Process

• The shop will thoroughly inspect your vehicle for visible and hidden damage.
• Repairs may involve disassembly, structural/frame work, parts replacement, and expert paint matching.
• After repairs, your vehicle will undergo a full safety and quality check before you pick it up.

7. Review Your Repair Warranty

• Trustworthy repair centers offer warranties on workmanship and parts. Keep your documentation for future reference.

Accident Preparedness Tips

• Always keep your registration, insurance, and emergency kit in your vehicle.
• Familiarize yourself with your insurance policy and your right to select a repair shop.

If you're ever in an accident, don't hesitate to contact us. Our certified technicians and caring staff are here to help restore your vehicle and your peace of mind every step of the way.





What Do Different Oil Colors Mean For Your Vehicle?

2025-05-29

What Your Motor Oil Color Says About Your Engine Health

Motor oil is essential to your engine's performance-it lubricates internal components, reduces friction, and helps regulate temperature. Without it, your vehicle simply wouldn't run. That's why staying on top of routine oil changes is one of the most important parts of preventive maintenance. One useful way to monitor your engine's condition is by observing the color and texture of your motor oil. Different oil colors can signal a variety of things, from normal wear to serious mechanical issues that need to be addressed quickly.

Fresh, Amber-Colored Oil

Brand-new motor oil typically has a clear, amber or golden color and pours with a smooth, moderately thin consistency. This is what you should see when oil is fresh from the bottle-especially with conventional oil types. Over time, as oil circulates through the engine, it collects contaminants and gradually darkens. This is normal. However, if the oil becomes very dark or thick, it's likely past its prime and should be changed soon.

Dark and Thick Oil

If you're using a synthetic or synthetic-blend oil, you may notice it looks darker even when fresh. That's because these oils often contain performance-enhancing additives. While the darker color isn't necessarily a problem, oil that becomes unusually thick, sludgy, or slow to pour can indicate excessive buildup of contaminants. In this case, we recommended a prompt oil change to prevent unnecessary engine strain or damage.

Milky or Frothy Oil

Oil that appears milky, frothy, or creamy in color is a major warning sign. This typically points to coolant mixing with the oil, which may result from a blown head gasket, a faulty water pump, or a leak in the intake manifold. This mixture not only changes the oil's color but also creates a whipped, foamy texture. If you notice this, allow your engine to cool and inspect your coolant levels. If you notice them being unusually low, coolant may be leaking into the engine. Any instance of discolored or frothy oil should be inspected by a professional technician right away to prevent severe engine damage.

Time for an Oil Check?

Whether it's clean and amber or milky and thick, the appearance of your engine oil says a lot about your vehicle's health. Not sure what you're seeing? Our expert mechanics are happy to help. Bring your vehicle in for a quick inspection or schedule an oil change today. Catching issues early can help you avoid costly repairs down the road.





What Happens During An Oil Change?

2025-03-12

Ever wonder what exactly happens when you bring your car in for an oil change? Well, it's not just about switching out the old for new-it's about giving your car a little TLC to keep it running happily. Let me walk you through what we do when you drop your car off for an oil change:

1. Getting Started

First off, we get your car set up in our workspace, lifting it up to get a good look underneath. This is where all the magic happens!

2. Out With the Old

We start by removing the old oil from your car. It's kind of like letting out the bathwater after a long soak. We make sure to catch all that used-up oil and dispose of it properly because we care about the planet just as much as we care about your car.

3. Fresh Filter

Next up, we swap out your old oil filter. Think of the filter as your car's kidney-keeping the oil clean so your engine can run smoothly. A new filter means your engine gets to enjoy fresh, clean oil, which is essential for its health.

4. In With the New

Then comes the fresh oil! We fill your engine with the type and amount of oil recommended by your car's manufacturer. This is like a refreshing drink for your engine, and it needs it to perform its best.

5. Checking It Twice

After we've got the new oil in, we'll start your car to make sure the new oil is settling in nicely. We look for any leaks and check the oil level to make sure it's just right.

6. Final Checks

Before we call it done, we do a final sweep to make sure we haven't left any tools under the hood and that your car is as neat as when you brought it in. We might even check other fluids and your air filter to ensure everything is in top shape.




Why Regular Oil Changes Are a Must

Getting regular oil changes is like ensuring your car has clean lungs-necessary for it to breathe and operate efficiently. It reduces wear and tear by lubricating the engine's moving parts, which helps you avoid bigger, scarier repairs down the line.

Handy FAQs About Oil Changes




How often should I get an oil change?

Most cars need an oil change every 3,000 to 5,000 miles, but check your owner's manual to be sure.

Can I upgrade to synthetic oil?

Absolutely! Synthetic oil is great for most engines and might even be recommended depending on your car and where you live.

How do I know it's time for an oil change?

Keep your ears open for unusual engine noises and keep an eye on the oil level and color via your dipstick. If your car tells you it's time with a light on the dash, don't wait too long!

Regular oil changes keep your car's engine young at heart, ensuring it stays reliable for all your road trip adventures and daily commutes. So next time you're due, come on by, and we'll take good care of you and your car!





5 Indicators Your Suspension Requires a Check up

2024-03-05

A vehicle's suspension system comprises various components, including springs, shock absorbers, ball joints, and struts, among others. Ever wonder if your suspension needs an inspection? Here are five indicators to watch out for, helping you decide whether your suspension needs any work done:

1. Noticeable Drifting or Pulling While Turning:

• During turns, if you experience unusual pulling or drifting, it could signal potential suspension issues. A car with suspension problems can pull to one side or drift out of its lane, even when the steering wheel is held straight. This can be caused by worn or damaged suspension components affecting wheel alignment.

2. Uneven Tire Tread Wear:

• Uneven tire tread wear, characterized by sporadic bald spots instead of a uniform pattern, may indicate significant suspension problems. If you notice uneven wear patterns on your tires, particularly excessive wear on the inside or outside edges, it could indicate suspension issues. Misaligned wheels or worn suspension components can cause uneven tire wear in a vehicle.

3. Sensation of Dips or Dives Upon Braking:

• Experiencing lurching or dips and dives when braking may indicate worn-out shock absorbers, a vital component of your vehicle's suspension system. These symptoms suggest that your shock absorbers are no longer effectively dampening the movement of your vehicle's springs, affecting its stability and braking performance. To address this issue, it's crucial to have your shock absorbers inspected and replaced if necessary.

4. Difficulty in Steering:

• Experiencing difficulty in steering your vehicle could be a sign of underlying suspension issues. Proper steering functionality is essential for safe and effective maneuvering on the road. If the issue is left unaddressed, your ability to make turns will be severely impacted. Seeking assistance from a reputable car repair service is advisable to diagnose and address any suspension-related concerns promptly.

5. Strange Noises:

• This includes clunking, knocking, or creaking sounds when driving over bumps or during steering maneuvers. Noises such as these can indicate problems with suspension components like bushings, ball joints, or control arms. These noises may suggest loose or worn parts that need expert attention sooner rather than later.

Require Suspension Work?

At Hardy Vehicle Designs, we're your go-to specialists for suspension inspection and repairs. We understand how crucial a healthy suspension is for a smooth and safe driving experience. That's why we offer comprehensive services to diagnose and fix any suspension issues your car may have, ensuring a comfortable and confident ride on the road.

Visit us today at 1938 E Broadway Rd, Tempe, AZ or call at 480-737-1214 for a complete suspension inspection and get back to enjoying your ride!





Preventive Auto Maintenance For Severe Driving

2023-02-16

Reduce the Effects of Severe Driving On Your Car

Are you an "aggressive" driver? Everyone answers "no" to this question because "aggressive" has become associated with road rage incidents. Today we replace "aggressive" with the word "severe." Severe driving is often unavoidable.

8 Types of Severe Driving

1. Moving quickly through curvy roads in and around Tempe
2. Traversing gravel or sandy roads
3. Driving in extreme heat, on icy roads or roads with a deep snowpack
4. Executing multiple lane changes in stop-and-go traffic
5. Consistently driving 10 mph or more over the speed limit
6. Short time dependent commutes around Tempe
7. Truncating a safe following distance resulting in frequent braking
8. Driving with heavier loads such as a cargo or passenger van or towing a trailer

While most motorists have experienced "severe" driving on occasion, for other drivers it is an unavoidable part of their daily commute. If you are a severe driver, take extra care to avoid excessive wear and tear on your car, SUV or truck. Severe drivers are more likely to experience an inconvenient breakdown.

Increase Your Preventive Maintenance Intervals On These Six Important Items:

1. Replace your motor oil and oil filters
2. Top off or replace your coolant
3. Have your brake pad thickness and brake fluid inspected regularly
4. Check your tire tread depth
5. Replace your windshield wipers
6. Monitor your transmission and steering fluid

Other ways to avoid excess wear and tear on your car from severe driving involve slowing down, avoiding quick starts and stops, and removing heavy items left in your car's trunk or truck bed. Remember gas mileage decreases rapidly when you drive above 60 mph.

Stop by Hardy Vehicle Designs in Tempe and let our pro mechanics help you develop a preventive maintenance plan that matches your driving style. Call today at 480-737-1214 or come by the service center at 1938 E Broadway Rd, Tempe, AZ, 85282.





5 Regular Auto Maintenance Items That Save Real Money

2023-01-15

Save Money And Time With Simple Preventative Maintenance From Hardy Vehicle Designs

A little auto maintenance goes a long way toward protecting your wallet from high-cost auto repairs in the future.

Schedule regular auto maintenance for these five essential systems

1. Brakes, including brake pads, brake fluid, calipers and rotors
2. Tires, including tread wear, proper inflation, front end alignment and balancing
3. Belts, including serpentine, starter and timing belts
4. Hoses, including cooling and radiator hoses
5. Fluids, including oil, transmission, steering, brake, antifreeze and wiper fluids

At Hardy Vehicle Designs in Tempe we keep your car running smoothly and efficiently to save you both time and money in and out of the repair shop. Many drivers overlook how services such as a simple oil change can increase fuel efficiency and save you money at the gas pump.

Come by Hardy Vehicle Designs at 1938 E Broadway Rd, Tempe, AZ, 85282 and discuss an annual vehicle maintenance plan with us today. Spreading maintenance items out over the course of the year can help make auto maintenance expenses more affordable. Ask us about Hardy Vehicle Designs coupons and rebates on items such as tires for additional savings.

Call Hardy Vehicle Designs today at 480-737-1214.





Should I Replace My Car's Spark Plugs?

2022-10-01

The Two Instances When You Should Always Replace Your Spark Plugs

Let's talk spark plugs. A common question we hear at Hardy Vehicle Designs is, "Should I replace my spark plugs?"
A spark plug performs a critical task for your vehicle's engine. Without a spark plug your car or truck's engine cannot work. Properly working spark plugs also deliver added fuel efficiency. Most owners manuals say to replace the spark plugs every 80,000 to 100,000 miles. In many cases spark plugs last longer than the driver's ownership of the car.
So, when should you replace your spark plugs?

1. If you just purchased a used vehicle
2. At least every 80,000 miles

Spark plugs are one of the hardest working parts of a vehicle. If you just purchased a used car, it is best to go ahead and replace the spark plugs. You have no idea if the previous owners were "severe" drivers. A spark plug can fire 400 times per minute per cylinder or 1,600 times a minute on a four-cylinder engine. Severe driving can place even higher demands on the spark plugs and engine.
Many used car dealers boast an extensive multi-point inspection plan prior to the sale of any car but many of these plans don't cover spark plug integrity. Because a failed spark plug can mean disaster for your new purchase it is best to get them replaced by the qualified technicians at Hardy Vehicle Designs in Tempe.
At Hardy Vehicle Designs we recommend replacing spark plugs before they reach the 80,000-mile mark. Many car owners delay spark plug replacement until the engine starts "missing." An engine that is "missing" will typically result in a jerking feeling when accelerating. Spark plugs that are severely worn out will create a pinging or knocking sound. These fouled, worn-out spark plugs can lead to extensive engine damage that is expensive to fix. Therefore, replacing spark plugs before they reach the 80,000-mile mark is very important. Three Indicators Your Spark Plugs Need To Be Replaced

1. Rattling, pinging or knocking noises when accelerating
2. Missing, hesitating or jerky feeling when driving
3. Slow acceleration or chugging

Sluggish and reduced performance also causes poor fuel economy. Save money at the pump by taking care of your vehicle's spark plugs.
Come by Hardy Vehicle Designs in Tempe if you just bought a used car or your vehicle is approaching the 80,000-mile mark to have your spark plugs replaced by one of our qualified pro mechanics. Call today at 480-737-1214 or stop by our service center at 1938 E Broadway Rd, Tempe, AZ, 85282.





Don't Forget to Replace Your Car or Truck's Belts

2022-10-01

Remember to Change Your Belts

Drivers in Tempe are busy and it is easy to forget that belts are tirelessly working to keep your engine running. A worn-out belt is a break down waiting to happen. Avoid being stranded on the side of the road and get your belts inspected each time you get an oil change at Hardy Vehicle Designs in Tempe.
Your car or truck's belts are essential for many of the vehicle's critical components such as water cooling, air conditioning and the alternator. Serpentine belts are used to turn the alternator, power steering and air-conditioning compressor. Often when serpentine belts brake your vehicle will stop working completely.
Come to Hardy Vehicle Designs to get worn or frayed serpentine belts replaced. Replacing belts when cracked, frayed or showing signs of excessive wear is very inexpensive when compared to having your car or truck towed to our repair shop.
Listen for signs of belt problems. Noise like rattling or slipping in the belt system is a sign of wear. Use your nose to tell you if a belt problem is imminent. The smell of burnt rubber can indicate a slipping belt.
At Hardy Vehicle Designs when we replace a worn serpentine belt, we check all the components in the serpentine system such as tensioners and pulleys. A typical serpentine belt replacement is 60,000 to 90,000 miles.
Why risk being stranded when a bad belt can be diagnosed with simple routine maintenance? Get Hardy Vehicle Designs to replace your car or truck's serpentine belts as directed by your owner's manual and avoid the hassle and expense of a sudden breakdown.
Call Hardy Vehicle Designs in Tempe today at 480-737-1214 to schedule regular maintenance such as belt inspection.