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SERVICE · S/04
MONROE WAPRICING

Cosmetic and Collision Repair Without Insurance.

Direct-pay cosmetic and collision repair for owners who want concours-quality bodywork without carrier-driven shortcuts. Bumper repair, panel replacement, structural straightening, paint match.

Insurance affiliation
Never
Paint booth
Downdraft
Colour match
Spies Hecker
Frame
Structural straightening
Blend limit
None — full-panel where required
OVERVIEW

Cosmetic & Collision Repair. Independent of insurance carriers.

Most body shops are insurance shops. Their margins, timelines, and material choices are dictated by what the carrier will reimburse — not what the car deserves. PACMods is the shop you call after the estimate has already been written, when you’d rather pay for the work to be done right than fight the carrier about why their number isn’t enough. We do not work with insurance carriers. We work with the owner.

StartingQuoted after in-bay scope
THE PROGRAM
01

Why we don’t take insurance.

Insurance carriers price-cap labour rates and dictate material choices. For a daily-driven sedan that’s an acceptable trade. For a Porsche GT car, a Ferrari, an Aston, or a long-term-keepers G-Wagon, it’s not. Carriers won’t pay for full-panel blend when a spot repair will satisfy a depreciation formula. They won’t pay spectrophotometer-matched paint when factory-code-only is "good enough." We decline that ceiling on every job.

02

What we repair.

Bumper repair on aluminium and SMC. Full panel replacement on steel and aluminum chassis. Structural straightening for after-impact vehicles where the unibody is out of true. Paint refinishing in our downdraft booth with spectrophotometer paint matching against the factory code, blended to full panel where the eye demands it. Collision recovery on exotics where the carrier’s shop list doesn’t include anyone who has touched the car’s paint code before.

03

How direct-pay works.

You bring the car in, we scope the work in writing, and you have a complete number before any tool touches the panel. If you intend to submit anything to a carrier for partial reimbursement, we’ll provide documentation in the format the carrier accepts — but the work itself, the timeline, and the deliverable are between you and us. The shop is paid by the owner. The car is built for the owner.

04

Cars we’ve brought back.

Ferrari 488 front-end restoration after a kerb strike. McLaren 720s rear-quarter panel rebuild after a track-day off. BMW M4 unibody straightening after a parking-structure pillar contact. Each documented at @dusty.build through the build, signed off at delivery, and on the road inside the originally-quoted window.

MARQUES

Cosmetic & Collision Repair programs by marque. Per car, per code.

FAQ

Common questions. Cosmetic & Collision Repair.

Q/01Do you work with insurance companies?
No. PACMods is direct-pay only. We can provide documentation to support an owner-led reimbursement claim, but the scope, timeline, and quality of the work are not negotiated with a carrier. That independence is the differentiator.
Q/02How long does cosmetic repair take?
Bumper repair on a single panel runs 5–10 days. Full collision recovery with paint and blend can run 4–10 weeks depending on parts lead time and the depth of the work. We give a written timeline at quote.
Q/03Can you match factory paint codes on exotics?
Yes. We spectrophotometer-match every panel against the factory code and blend to full panel where the eye demands it. Recent work includes Guards Red on a Porsche 911, Tributo Yellow on a Ferrari 488, and Crayon on a 992 GT3.
Q/04How long does paint protection film last?
Professionally installed Ultrafit paint protection film carries a 10-year manufacturer warranty against yellowing, cracking, and delamination. In Pacific Northwest conditions, the film typically performs well past the warranty window if washed correctly and not exposed to chemical contamination.
Q/05How much does PPF cost in Seattle?
Full-body PPF on a luxury or exotic vehicle at PACMods starts at the upper end of the Seattle market because we work exclusively with concours-grade Ultrafit film and back every install with a 10-year warranty. Partial coverage (front-end, track package, or high-impact areas) starts lower. Request a private estimate for a vehicle-specific quote.
Q/06What paint protection film do you install?
PACMods installs Ultrafit — a top-tier self-healing paint protection film with a 10-year warranty. It is optically clear, hydrophobic, and swirl-resistant; we select the coverage tier and finish (gloss or matte) per vehicle and intended use, from daily-driven streets to dedicated track time.
Q/07How do I pay, and do you take a deposit?
We accept credit cards, debit cards, and NFC mobile payments. Payment is due on completion, before the vehicle leaves, unless the written quote says otherwise. A deposit may be required where the build needs parts we order in and those parts come to more than $500 — it covers the order, and it is set out on the written quote before any work starts. We do not bill insurance carriers, so the number on your written quote is the number you pay.
Q/08Do you work with insurance companies?
PACMods is an independent shop by intention and does not work with insurance carriers. We perform cosmetic and collision repair on a direct-pay basis for owners who want concours-quality work without the carrier-driven shortcuts that compromise luxury vehicles. We can help you understand what an insurance reimbursement might cover, but the work itself is between you and us.
RECENT WORK

Recent Cosmetic & Collision Repair builds

Reviews

Cosmetic & Collision Repair reviews

R/01
Scratch Repair
Work by PAC referenced in review from Mike Wang
FRAME · 001JUN 2026

Dustin is the best! I accidentally messed up my car’s paint while trying to use touch-up paint, and it ended up looking terrible. I had no idea how to fix it until I found this shop. Dustin completely saved my car. He was very patient, easy to talk to, and took the time to explain everything. Not only was the turnaround fast, but the quality of his work was outstanding. I honestly didn’t expect the paint to come out looking this good. The repair looks flawless—I’d even say it looks better than the factory finish. I’m extremely happy with the results and the level of professionalism Dustin provided. I would definitely recommend him to all of my friends and anyone looking for high-quality paint repair work. Thank you, Dustin!

Mike Wang
Model 3 Performance · Cosmetic Repair
Jun 2026
R/02
Bodykit Installation
Work by PAC referenced in review from Yegor K
FRAME · 002MAR 2026

Team is very professional, friendly, and most importantly fast. Before work they made sure to confirm every miniscule detail of the project with me, and after I had left my car at the shop the team made sure that they return the car as soon as they can. After I have collected the car the team made sure that everything was up to my liking, and even checked in with me a couple months after.

Yegor K
Custom Modifications
Mar 2026
R/03
Specialized Carbon Fiber Repair
Work by PAC referenced in review from Ricardo Morris
FRAME · 003MAY 2025

Got my Carbon roof redone on my M6, Dustin and team did a good job. Definitely recommend for the great customer service.

Ricardo Morris
M6 · Cosmetic Repair
May 2025
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Guarantee

What we stand behind.
In writing, every time.

10 years
Paint protection film

Manufacturer warranty on Ultrafit and XPEL material, registered in the owner’s name for the life of the car.

Lifetime
Paint and refinish

On paint and refinish work carried out in our own booth, for as long as you own the car.

* Paint warranty applies only to complete repairs paid in full. Partial or customer-limited repairs are performed as-is and carry no warranty.

NEXT

Bring us the car. We'll scope the cosmetic & collision repair.

Every cosmetic & collision repair project starts with a walk-around in the bay — written scope, itemised quote, no estimates sight-unseen. Pickup and delivery across Snohomish County, the Seattle Eastside, and Seattle proper.

+1 360 926 9009
hi@pacmods.com
Mon–Sat · 9am–7pm (Wed to 4pm)