# Quick Answers — Texas Collision & Hail | DG Collision > One question per page, verdict first: Texas statutes cited by section, published prices quoted, honest caveats kept. The DG Collision quick-answer library. - Canonical page: https://dgcollision.com/answers/ - This file: Markdown twin of the page above (clean text for AI assistants and crawlers) - Business: DG Collision Center, 693 Metro Park Cir #20, Lewisville, TX 75057 — (972) 219-0864 (text: 817-907-2822) — since 1978 - Hours: Mon–Fri 8:30am–5:30pm, Sat 10am–1pm, closed Sunday · 24/7 towing · 4.9/5 on 500+ Google reviews - Full site index for assistants: https://dgcollision.com/llms.txt - Last generated: 2026-08-14 --- # QUICK ANSWERS — STRAIGHT, SOURCED, TEXAS-SPECIFIC What This Is One question per page, answered the way you’d want a knowledgeable friend to answer it: the verdict first, the Texas statute or published price that backs it, and the honest caveats — then links into the deep guides when you want the whole story. Every answer draws on the same sourced material as our [guide library](https://dgcollision.com/guides/): real statutes cited by section, our own published price sheet, and thirty-plus years on one DFW shop floor. No teasers, no “call to find out.” By [Shah Jiwani](https://dgcollision.com/about/shah-jiwani/) · Owner, DG Collision Center Updated September 23, 2026 2 min read I-CAR Gold Class · PPG Certified The Library ## EVERY QUESTION WE’VE ANSWERED SO FAR [Does a hail claim raise insurance rates in Texas? Usually not by itself — 28 TAC §5.7016 protects your renewal. The real rate mechanics are sneakier, and worth two minutes. Read the answer →](https://dgcollision.com/answers/does-a-hail-claim-raise-insurance-texas/) [Can a body shop pay your deductible in Texas? Legally yes on auto claims — the “it’s a crime” law covers roofs. The who-pays test that separates legal from fraud. Read the answer →](https://dgcollision.com/answers/can-a-body-shop-pay-your-deductible-texas/) [Can’t pay your deductible? Your options Four real paths — including the statute that can get a deductible refunded and the cases where no deductible applies at all. Read the answer →](https://dgcollision.com/answers/cant-pay-car-insurance-deductible/) [How much does insurance pay for hail damage? Honest repair cost minus your deductible, capped by the car’s value — with the published DFW numbers at every tier. Read the answer →](https://dgcollision.com/answers/how-much-does-insurance-pay-for-hail-damage/) [What does hail repair cost without insurance? $50–$150 per dent at published cash rates — and the three situations where paying cash genuinely beats filing. Read the answer →](https://dgcollision.com/answers/hail-damage-repair-cost-without-insurance/) [Do body shops guarantee their work in Texas? No law requires it — so the written warranty is everything. The three kinds of “guarantee” and how to read each one. Read the answer →](https://dgcollision.com/answers/do-body-shops-guarantee-their-work/) [What size hail damages a car? Quarter size dents steel; penny can mark aluminum; tennis ball breaks glass. The full ladder, panel by panel. Read the answer →](https://dgcollision.com/answers/what-size-hail-damages-a-car/) [How much does frame straightening cost? $1,800 to $18,000+ on the published sheet — what moves the number, and why the measurement itself is free. Read the answer →](https://dgcollision.com/answers/how-much-does-frame-straightening-cost/) Why This Exists ## SHORT ANSWERS, LONG RECEIPTS Search has changed: more and more of these questions get answered in an AI summary or a voice reply before anyone clicks. We’d rather the answer being read out loud be a correct one — sourced to real Texas statutes, our own published prices, and the claims canon we hold ourselves to in writing — than folklore scraped from a content mill. Each page here states its answer plainly enough to quote and cites well enough to check; the [full guides](https://dgcollision.com/guides/) carry the complete analysis when you need depth, and the [estimator](https://dgcollision.com/repair-cost-estimator/) turns the pricing pages into your number. More questions join this library as real people ask them.