Nobody plans their day around a collision. One minute you're headed to work on the Loop, and the next you're standing on the shoulder taking pictures of your bumper, trying to remember where you saved your policy number.
Then comes the part most people don't expect: the phone calls. The claim number. The adjuster who wants photos. The question of where your vehicle goes, and who decides that.
Here's what we want every driver in Lubbock to know — that second part isn't your job. It's ours.
Step 1: You got in a wreck.
That's the only step that's out of anyone's control. Get yourself and your passengers safe, call the police if anyone's hurt or the vehicle isn't drivable, and take photos if you're able to. Wide shots of the scene, close shots of the damage, and a picture of the other driver's insurance card.
That's it. That's all we need from you at the scene.
Step 2: You called Hub City.
You can call us before you call anyone else. You don't need your insurer's permission to pick a shop, you don't need a claim number yet, and you don't need to visit three shops for estimates first.
Texas law is clear on this point: an insurance company may not directly or indirectly limit your coverage by restricting which repair facility you use. That choice belongs to you. It's your car, it's your family, it's your choice.
If your vehicle isn't drivable, we'll get it towed to our shop. If it is, bring it by and we'll get it written up.
Step 3: We handle it from here.
This is the part people are most surprised by, so we'll be specific about what "handle it" actually means.
We talk to your insurance company. Once you authorize it, we communicate with your adjuster directly — claim documentation, photos, supplements, all of it. You don't have to translate between two parties who use different vocabularies.
We write a complete estimate, not a fast one. Modern vehicles hide damage behind panels. Sensors, calibration requirements, and structural components don't show up in a parking lot photo. When we find damage during disassembly that wasn't in the original estimate, we document it and negotiate the supplement on your behalf. That's a normal part of the process, not a problem.
We advocate for a correct repair. Our job is to return your vehicle to the condition it was in before the wreck — the way the manufacturer says it should be repaired. When there's a difference of opinion about what the repair requires, we bring the documentation and we work it out with the insurer. You don't have to be in the middle of that conversation.
We keep you updated. You'll know what stage your vehicle is in and what's next.
"But I heard it would take longer, or cost more, or wouldn't be covered."
We hear those three things a lot, and we understand why they give people pause.
On timing: we've added staff this year, including another estimator, so our schedule has room. On cost: Texas law requires your insurer to pay for a reasonable repair at the shop you choose. On coverage: your policy covers your vehicle, not a particular building.
If you've been told something that doesn't sound right, call us and ask. We'll walk you through it honestly, even if the answer isn't the one that sends you to us.
Think of it like your doctor
You wouldn't let someone who's never examined you decide what your treatment should be. You'd want the person who actually looked at the problem to make that call, and then explain it to you in plain language.
That's how we see our role. We're the ones who put your vehicle on the lift and took the panels off. We know what it needs. Our job is to document that clearly, communicate it professionally, and make sure the repair gets done right.
We work with you and insurance companies — not for insurance companies.
Ready when you are
Twenty years in Lubbock, and the call is still the same one: what do I do now?
Call Hub City Body Shop. We'll take it from there.