Buffalo Customs & Collision, an independent auto body and collision repair shop in San Antonio, TX, is addressing some of the most common insurance-related myths that drivers encounter after an accident—and explaining how those misconceptions can lead to delays, unnecessary costs, or unsafe repairs. Drivers seeking clarity on their rights and repair options can learn more through collision repair in San Antonio.
After a collision, most drivers are overwhelmed. Between dealing with insurance adjusters, arranging transportation, and worrying about costs, it’s easy to accept information that sounds official—even when it’s incomplete or misunderstood. According to Buffalo Customs & Collision, this is exactly how insurance myths take hold.
“Most people don’t deal with collision repair very often,” said Chad Richardson, owner and lead technician at Buffalo Customs & Collision. “So when someone confidently says, ‘You have to do it this way,’ drivers tend to believe it. Our role is to slow things down and explain what’s actually true.”
Why Insurance Myths Are So Common After Accidents
Insurance claims move quickly, but understanding them does not. Many initial estimates are written based on photos or visible damage, and policy language is rarely explained in plain terms. As a result, drivers may confuse recommendations with requirements or assume the first estimate is final.
According to consumer guidance from the National Highway Traffic Safety Administration, drivers should prioritize vehicle safety and proper repair procedures—not just speed or convenience—when choosing how and where to repair their vehicle.
Buffalo explains that separating fact from assumption is one of the most important steps drivers can take after a crash.
Myth #1: “I Have to Use the Body Shop My Insurance Company Recommends”
One of the most persistent insurance myths is the belief that drivers are required to use an insurance-recommended body shop. While insurers may suggest certain facilities, that suggestion is not the same as a requirement.
In most situations, vehicle owners have the right to choose their repair shop. Buffalo operates independently of direct repair programs, allowing the shop to prioritize safety-driven repairs and OEM procedures. This customer-first approach is outlined on about Buffalo Customs & Collision.
“If you’re comfortable with a recommended shop, that’s fine,” Richardson said. “But it should be your decision—not something you feel pressured into.”
Myth #2: “Aftermarket Parts Are the Same as OEM Parts”
Parts selection is another area where misinformation spreads quickly. Aftermarket parts can vary significantly in fit, corrosion protection, and compatibility with modern safety systems.
OEM parts are designed to match the original specifications of the vehicle. Aftermarket parts are produced by third parties and may require modification to fit correctly. According to I-CAR repair standards, parts fit and material quality directly affect how a vehicle performs in a future collision.
Buffalo explains parts options clearly through its auto body repair services, helping drivers understand the tradeoffs instead of assuming all parts are equal.
Myth #3: “The Insurance Estimate Is Final”
Many drivers believe that the first insurance estimate represents the full cost of repair. In reality, that estimate is often just a starting point.
Hidden damage is common in modern vehicles, especially behind bumpers, lights, and panels. Once repairs begin and the vehicle is partially disassembled, additional damage may be discovered. When this happens, a supplement is written and submitted with documentation.
Organizations like the Insurance Institute for Highway Safety emphasize that proper repairs depend on restoring structural integrity and safety systems—not just visible panels.
“Supplements aren’t about charging extra,” Richardson explained. “They’re about documenting what couldn’t be seen at first. What matters is that the customer understands that process from the beginning.”
Myth #4: “If the Car Drives Fine, the Damage Must Be Cosmetic”
Modern vehicles are engineered to absorb impact energy in specific ways. Even low-speed accidents can affect crumple zones, sensor mounts, suspension components, and structural brackets without obvious symptoms.
Drivers may not notice issues immediately, but compromised safety systems can fail to protect occupants in a future collision. According to ASE automotive best practices, subtle post-accident symptoms such as vibration, pulling, or warning lights should never be ignored.
Buffalo encourages drivers to seek inspection if anything feels different after an accident—even if the vehicle appears drivable.
Myth #5: “Filing a Claim Automatically Raises My Rates”
Insurance rate changes depend on multiple factors, including fault, claim type, and policy terms. Filing a claim does not automatically result in higher premiums in every situation.
Buffalo helps drivers think through the decision logically, explaining when it may make sense to file a claim and when handling repairs out-of-pocket could be an option—without pressure either way.
The Cost of Believing Insurance Myths
When drivers rely on misinformation, the consequences often show up later. Delayed repairs, denied procedures, mismatched paint, sensor issues, or unresolved corrosion can all stem from early assumptions.
Buffalo emphasizes that clarity at the beginning of the process leads to fewer surprises and better outcomes. Drivers can start that process by requesting documentation-driven inspections through request a free estimate
Local Guidance Built on Transparency
Founded by a technician with more than two decades of experience, Buffalo Customs & Collision was built to advocate for vehicle owners—not insurance shortcuts. The shop focuses on education, communication, and OEM-aligned repair decisions.
“Informed customers make better decisions,” Richardson said. “Our goal is to explain the truth so drivers can move forward with confidence, not confusion.”
Contact Information
Buffalo Customs & Collision
13734 Lookout Rd
San Antonio, TX 78233
Phone: (210) 773-4708
About Buffalo Customs & Collision
Buffalo Customs & Collision is an independent, owner-operated auto body and collision repair shop in San Antonio, Texas. Founded by veteran technician Chad Richardson, the shop specializes in OEM-focused collision repair, auto body repair, structural repairs, glass replacement, paint and refinishing, paintless dent repair, ADAS calibration, and select mechanical services. Buffalo is known for transparent communication, lifetime workmanship warranty coverage, and a customer-first philosophy that prioritizes safety and quality over insurer convenience.
