When your car suffers damage, it is important to ensure that it is repaired as quickly as possible. Even minor body damage can gradually turn into a major problem for your vehicle if it is left unrepaired. However, there are many people that are not comfortable with taking their car in for repairs because they lack experience with this type of work. After considering the following answers to a couple of routine question about this type of work, you may find it easier to feel confident and informed during this process.
Will The Insurance Always Pay For The Full Cost Of Repairs?
There is a common misconception that your insurance will always pay for the full price of the repairs to the car. However, this is not always the case because most insurance policies will require you to meet a deductible before the plan will start to cover these damages. Unfortunately, the amount of the deductible can vary greatly, and you will have to carefully review your insurance policy to know exactly how much you will have to spend out of pocket for these repairs.
Also, it should be noted that your insurance may determine that you were partly responsible for the accident. If this is the case, your compensation will be reduced to account for your role in the incident. In instances where you feel this adjustment is excessive, you may be able to appeal it through arbitration.
How Does The Insurance Decide Which Parts To Approve?
When you are having your car repaired, the final cost will be heavily influenced by the type of parts that are used for this work. For example, new parts will cost far more than used ones, and there is a common misconception that the insurance will always opt for the cheapest available part for your car. However, this is not the case because the insurers are legally required to restore your car to the original condition prior to the accident.
As a result of this requirement, cars that are either new or equipped with all manufacturer brand parts must be repaired using original manufacturer parts. In instances where the vehicles was heavily modified or used when you purchased it, the insurer will have the option to utilize off brand or used parts for the repair.
Having your car's body damage repaired is essential for preventing it from spreading across the exterior of the vehicle. Even minor bumps and scrapes can damage the protective coating of the paint, which can allow moisture to rust and corrode the car's exterior. By understanding that your insurance will not always pay for the full cost of these repairs you should better understand what is needed to have your car's damage repaired.
For more information, check out companies such as All Out Customs & Collisions.