Using Insurance For Car Repair
The insurance company has met its obligation by paying the repair costs for the damages that it found.
Using insurance for car repair. Car insurance may help cover the cost of repairs if the issue is the result of a collision or another covered incident such as theft or fire. If you are using your own insurance policy for the repairs however there is likely a provision in your policy that like kind and quality parts be used. But repairs for routine wear and tear or mechanical breakdowns are typically not covered by an auto insurance policy. Comprehensive insurance covers damages to your vehicle not caused by a collision.
Traditional insurance companies are not in the car repair insurance business and consumers shouldn t think of car repair insurance in the same way that they do liability and collision insurance. As long as the check is made out to you it is your choice whether to cash out as the practice is called or repair the car says dan young former senior vice president of insurance relations for carstar the largest collision repair network in north america who is now senior vice president at astech automotive service. Luckily there are a few cases where it s clear you should file a claim. Car insurance policies do not cover repairs for normal wear and tear such as oil refills or fixing your brakes.
Therefore to get the best rates on this type of insurance you should deal with the older more reputable companies that have good claim payment records. This page will review ways to pay for auto glass replacement and repair using car insurance. Since your car had used parts on it prior to the collision it is acceptable for the shop to use used parts in the repair of your vehicle. Understand glass coverage if your windshield or other glass e g side windows rear window or sunroof is damaged by something other than a collision you ll likely pay for it using comprehensive coverage.
However if a repair is needed because you got into a car accident or due to another covered peril like for damage from a hailstorm your car insurance will pay for the repairs depending on your auto policy. If you get in a car accident involving other people or other vehicles it s always a good idea to file a claim. Can i keep my claims check. Collision insurance pays for the cost of repairs or replacements to your car when it is involved in an accident with another vehicle or a stationary object.
Even if the damage seems minor and or the person is unhurt it s best to notify your insurance. Incidents include theft vandalism fire falling. But for most people it s just not a good value. Car repair insurance or mechanical breakdown coverage is available from a few insurance companies such as geico and mercury insurance.
What would be fraud to your insurer is if in the future you filed another claim for the same damage. Note that insurers generally require you to have comprehensive coverage in place before adding collision. Cashing out the insurance payment.
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