Previously we talked about everything there is about car dents, but there comes a point that most drivers will experience vehicle damage that requires car shop repairs. When this happens, it’s essential to know your insurance for auto policy’s role in the repair process.
The first thing you’ll need to do is file a claim with your insurance company. Your insurance company will then send an adjuster to inspect the damage and determine how much they are willing to pay for repairs.
You may be responsible for paying a deductible, which is the amount you agree to pay out-of-pocket before your insurance kicks in. Once the adjuster has assessed the damage, they will provide you with an estimate of the repairs needed.
At this point, you can either choose to have the repairs made through your insurance’s recommended auto shop or select your repair facility. You can even check with anchor auto body for car insurance quotes if you need one. We accept insurance for auto policies that can save you from headaches and a lot of money in the long run.
Types of Car Repairs
When it comes to car repairs, there are all sorts of different types that can be done. It is crucial to be aware of these, since this information can be cross-referenced to what is covered by your insurance provider.
So whether you’ve got a minor dent or a major fender bender, a repair can be done to get your car back in tip-top shape. Here are just a few of the different types of auto body shop repairs that are available:
Fender Bender Repairs: If you’ve been in a minor collision, the chances are that the damage is primarily cosmetic. In this case, auto body shops can often quickly and easily repair things like dents and scratches.
Dent Repairs: Dents are one of the most common types of damage that occur to cars. Whether caused by hail, other vehicles or even flying debris, dents can ruin the look of your car. It is mandatory to have these seemingly minor damages repaired right away to avoid further damage that can escalate to a more serious issue.
Paintless Dent Repairs: If you have a dent that’s not too severe, you may be able to get a paintless dent repair. This repair involves gently massaging the dent out of the panel without having to remove any paint. These are often quicker and less expensive than traditional repairs. Learn more about paintless dent repair in a previous blog, and discover the pros and cons of this process.
Fender Replacement: In some cases, dents or other damage may be so severe that the fender will need to be replaced. This is an issue that requires more intensive repair, and it is necessary to restore the vehicle’s structural integrity.
Auto Body Rust Repair: Rust is a significant problem for cars, especially those driven in saltier climates, just like in the Sunnyvale Bay Area. If your car has developed rust, a car shop can remove it and treat the area to prevent it from returning. Anchor auto repair provides expert rust repair for your car to return to near-mint condition.
How Insurance Companies Work With Auto Shops
When you get into a car accident, the first thing you probably think about is how to get your car repaired. And if you have insurance for auto, that’s usually the next phone call you make. But what happens after you hang up with your insurance for an auto company? Do you know who needs auto insurance?
Here’s how it works:
- Your insurance company will first send an adjuster to assess the damage to your car.
- The adjuster will give you an estimate of the repairs that need to be made.
- You’ll choose a shop to repair your car.
- The shop will give your insurance company an estimate of the repairs.
- Your insurance will pay the car body shop for the repairs.
- You’ll pay your deductible to the shop, and then they’ll start repairs on your car.
- Finally, once the repairs are completed, you’ll pick up your car and be on your way!
No matter what kind of car repair shop you run, you’ll need some insurance. You may ask for car insurance quotes from insurance companies to get an idea on what you need. The most common type of vehicle repair shop insurance is general liability insurance, which can protect you from various potential claims, including bodily injury and property damage.
A garage liability insurance policy, like conventional business liability insurance, protects an auto repair shop against claims and medical expenditures resulting from an accident on the premises.
Car insurance has two coverage types:
Comprehensive Insurance Policy
A comprehensive car insurance policy is an insurance policy that covers everything from liability to collision coverage. It’s the most complete type of insurance you can buy for your car.
If you’re financing your car, your lender will require you to have comprehensive and collision coverage. If you own your car outright, it’s still a good idea to have this coverage in case of an accident.
Comprehensive coverage pays for damage to your car that’s not caused by a collision. This includes damage from events like fire, theft, vandalism, or weather events. It also covers glass breakage, such as a cracked windshield. Collision coverage pays for damage to your car caused by a collision with another vehicle or object.
Third Party Insurance Policy
A third-party insurance policy is an insurance coverage taken out by an individual or business to protect themselves from the financial risks of being sued by another party. The “third party” in this context refers to the person or entity who has the potential to sue the insured individual or business. This type of insurance can help cover the cost of legal fees and damages that may be awarded to the third party if they are successful in their lawsuit.
How To Choose an Auto Body Shop That’s Right for You
When your insurance deems that your car needs repair, they usually refer an auto body shop to you. But how do you know if a shop is trustworthy, professional, and is right for you? Here are four things to keep in mind when choosing a shop:
- A good reputation. Ask around town or check online reviews to see what others have said about a particular shop.
- Certifications and accreditations. These show that a shop has been vetted by industry experts and is held to high standards.
- A warranty on repairs. This protects you if something goes wrong with the repairs down the road.
- Competitive pricing. Get quotes from several shops to ensure you’re getting a fair price.
Know What Your Car Insurance Covers!
When you have car insurance, make sure you know what that covers. Your car insurance should cover more than just the basics like liability and collision. So, every time you get a vehicle, you need to ask what kind of car insurance does an auto repair shop need so you’ll know what to do in case of an accident.
It should also cover things like “gap” insurance, which covers the difference between what you owe on your car and what it’s worth in the event of an accident.
If you are in an accident, always know where to go. Anchor Auto Body is a good place to bring your damaged car. Your insurance for auto is useful every time you need it for your vehicle. Anchor Auto Body caters to your insurance and helps you all the way. Make sure to know what our offers are in our website to take advantage of the amazing value of our services! Just hear what our happy client, Yuanzhou Yang has to say about our service.
Very friendly and honest people here. I went there with an estimate and I told them I need my car to be done within one week because I have a trip at that time. The service people just explain to me their whole process and talk to me frankly that they can’t do it because they need to negotiate with my insurance company and it takes a lot of time. Then he give me the name of another auto body shop and told me that maybe this shop could do it because they have some cooperation with my insurance company. Thanks a lot for his helpful information!
