Using Insurance For Car Repair
What would be fraud to your insurer is if in the future you filed another claim for the same damage.
Using insurance for car repair. Comprehensive insurance covers damages to your vehicle not caused by a collision. 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. 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. If you get in a car accident involving other people or other vehicles it s always a good idea to file a claim.
When to file an insurance claim. Even if the damage seems minor and or the person is unhurt it s best to notify your insurance. 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. But for most people it s just not a good value.
Incidents include theft vandalism fire falling. 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. Car repair insurance or mechanical breakdown coverage is available from a few insurance companies such as geico and mercury insurance. Note that insurers generally require you to have comprehensive coverage in place before adding collision.
Car insurance policies do not cover repairs for normal wear and tear such as oil refills or fixing your brakes. Can i keep my claims check. 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. Your car insurance company shouldn t take the money back or consider it fraud if you don t use the insurance money to repair the vehicle.
The insurance company has met its obligation by paying the repair costs for the damages that it found. 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. Adding this coverage to your car insurance can save you from bearing the cost of major repairs like a blown engine or transmission on your own. 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. Cashing out the insurance payment. This page will review ways to pay for auto glass replacement and repair using car insurance.
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