Does Insurance Cover My Auto Body Repairs?


It’s bad enough your car has been damaged. Questioning whether or not your insurance will pick up the tab can add even more stress. Luckily, there are some things you can do to improve your chances of getting your insurance claim paid more quickly.

Know your insurance coverage – First, research your insurance coverage. Knowing what type of coverage you have, liability or full coverage, will help you determine what your insurance company will and will not cover. It’s also important to know what your deductibles are for each incident. Knowing these two things can help you plan what out-of-pocket costs you need to prepare for.

Choose an approved auto body shop – Next, choose an insurance-approved auto body shop. Insurance companies want to make sure that they are getting the best service for their dollars. Approved auto body shops have already negotiated their rates with your insurance company, offering attractive discounts. By selecting a pre-approved shop, you can reassure your insurance company that they are getting a fair deal. You can also speed up the repair process because the price negotiation has already been handled.

Ask About Replacement Parts – Some insurance companies try to keep costs down by asking shops to use rebuilt or generic replacement parts. Although you may not be able to sway the insurance company, it’s worth asking for original-equipment manufacturer (OEM parts), particularly if you were not the one at fault in an accident.

Know your coverage, choose an approved shop, and ask about parts before you commit to car repairs.Through a little research, you can greatly improve your chances of having an insurance claim paid without any unnecessary hassle.

Learn more about Auto body and auto glass repair in Garner, NC.


About justin ward

Justin is a certified automobile nut and writes about all topics. He has a special interest in performance parts, wheels, rims safety and maintenance.
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