Insurance Claims
We deal directly with all major Canadian insurers — writing the estimate, submitting supplements and following up on authorisations so you are not managing your own claim.
The short version
- Shop choice
- Yours, by law in Alberta
- Estimates
- Free and written
- Settlement
- Direct with your insurer
- You pay
- Your deductible
How it works
A claim is a sequence, and every gap costs you a day
Most people deal with one collision claim a decade. We deal with them daily, which is the entire argument for letting us carry the administrative side.
Open the claim
Call your insurer or use their app. You do not need to have chosen a shop yet.
Get the estimate
Bring the vehicle to us or send photos. We write it in the format adjusters work in.
Authorisation
The insurer approves the scope. Nothing is ordered until it is, and you see it first.
Repair and settle
Supplements submitted as needed. They settle directly with us; you pay your deductible.
Worth knowing
In Alberta you choose the repair shop
Your insurer may recommend a facility from their network, and there are genuine practical advantages to those arrangements. But the choice belongs to the vehicle owner, and a recommendation is not a requirement.
What matters is whether the shop will write the repair the vehicle actually needs, submit the evidence for it, and stand behind the work afterwards. We are happy to be measured on all three.
Have this ready
- Policy number and claim number
- Date, time and location of the incident
- Photographs taken in daylight
- Police file number, if one was issued
- Your adjuster\u2019s name once assigned
By insurer
Guides for the insurers we see most
Each one covers a different part of the process, so it is worth reading the one that matches your situation rather than only the one with your insurer's name on it.
- 01
Intact Insurance — Direct billing, estimates and supplements
How an Intact auto claim runs through our shop — estimate, authorisation, supplements and direct settlement.
- 02
Aviva Canada — Total loss decisions and reviewing a valuation
How a total loss decision is reached on an Aviva claim, and what you can do if the valuation looks low.
- 03
Wawanesa Insurance — Hail and comprehensive claims
How hail and other comprehensive claims work, why they are treated differently from an at-fault collision, and what to do first.
- 04
TD Insurance — Glass claims and ADAS calibration
How glass claims work, why chip repair is often free, and why recalibration is not an optional extra.
- 05
The Co-operators — Commercial and fleet claims
How commercial vehicle claims differ from personal ones — more parties, more documentation, and downtime as the real cost.
- 06
Desjardins Insurance — Rental cars, loss of use and getting around
What loss of use coverage actually gives you, how long it lasts, and what happens when a repair runs longer than expected.
SAK Auto Group is an independent repair facility. We are not affiliated with, endorsed by or acting as an agent of this insurer, and the names used here are for identification only. Your coverage is governed entirely by your own policy wording — confirm the specifics with your broker or adjuster.
Let us carry the paperwork
Send photos and your claim number and we will take it from there.