Using Collision Insurance for Auto Body Repair
Auto accidents are a headache at best, but with proper collision insurance, the aftermath of a car crash doesn't have to be as traumatic as the accident itself. However, for those without collision insurance, the auto body repair work may be just the first in a long line of stressful situations.
Auto collision insurance generally covers all parties involved in a car crash, regardless of who was at fault. Repairs to both vehicles are covered, as well as bodily injuries up to the maximum allotted in the policy. This is different than basic liability insurance, which only covers the other driver's property and injuries.
Make sure you know what your policy covers. Many collision insurance policies exclusively cover accidents involving other vehicles, and not other objects. So if you swerve to avoid an animal and find yourself in a ditch or through a fence, damages may not be covered by your collision insurance.
After an auto accident, always get a police report, as it will assist you in getting coverage from your insurance company. Either your insurance company will provide an approved auto body repair shop, or you'll be asked to go and get quotes. In some cases your policy provider may send an insurance adjuster to inspect damages and verify or create an estimate. Different insurance providers handle the estimate process differently.
At the auto body shop, there are several ways to get the bill paid. Your collision insurance policy may provide a check for the estimated amount less the deductible, allowing you to find a shop that will do all the repairs for that amount. Other providers may send the check directly to a repair shop and request the repairs be completed for that amount. In some cases, you'll be asked to pay the bill up front and be reimbursed by your insurance provider after the fact.
If the actual cost to fix your car exceeds the estimated amount, you may be liable for the extra. But some shops will work with your insurance claims adjuster to try to get these extra, unforeseen repairs covered at no charge to you. In some serious accidents, the cost to repair the vehicle may be more than its worth, and the insurance company will 'total' it. On newer leased or financed vehicles where the value may be less than the amount owed, GAP insurance can be extremely helpful in covering the difference so you don't have to.
Collision insurance can help you get back on the road quickly and affordably after an accident. If you're not sure what type of coverage you have, now may be a great time to check. For an auto body shop in Portland that's happy to work with your collision repair insurance, ADESA's Auto & Truck Collision Repair can be reached at 503-674-5463. Visit online at www.TruckAndAutoBody.com.
ADESA Auto & Truck Collision Repair Blog
Written & Published By MORBiZ