Using Insurance For Car Repair
This page will review ways to pay for auto glass replacement and repair using car insurance.
Using insurance for car repair. 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. 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. 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. 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.
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. What would be fraud to your insurer is if in the future you filed another claim for the same damage. 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. 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.
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. 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. But repairs for routine wear and tear or mechanical breakdowns are typically not covered by an auto insurance policy. When to file an insurance claim.
But for most people it s just not a good value. Car insurance policies do not cover repairs for normal wear and tear such as oil refills or fixing your brakes. 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. Cashing out the insurance payment.
Car repair insurance or mechanical breakdown coverage is available from a few insurance companies such as geico and mercury insurance. Comprehensive insurance covers damages to your vehicle not caused by a collision. Can i keep my claims check. Luckily there are a few cases where it s clear you should file a claim.
Incidents include theft vandalism fire falling. Even if the damage seems minor and or the person is unhurt it s best to notify your insurance. If you get in a car accident involving other people or other vehicles it s always a good idea to file a claim.
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