It happens to us all at one time or another: your vehicle suffers body damage. Auto body repairs can add up. And payment is often required at the time of the collision repair. So, it’s important to note whether your auto insurance will cover the cost of labor and supplies. Whether your auto body work will be covered depends on the type of coverage you have. At DG Collision Center, we work directly with insurance companies, whenever possible, to get you back on the road. Here is a rundown on the most popular types of coverage and whether they cover auto body repairs.
Extended Warranty and Mechanical Breakdown Insurance (MBI)
Extended Warranties on newer cars and mechanical breakdown insurance (MBI) are two of the most common types of insurance coverage which cover repairs. However, the repairs these policies cover apply exclusively to mechanical work, although they do not cover all mechanical repairs. Repairs which are considered routine, such as tires and oil changes, remain the responsibility of the vehicle owner. These do not help with auto body repairs.
Liability Insurance
Liability insurance is required in almost every state. What’s more, it is designed to cover the costs incurred by the other party when you are at fault in an accident. The problem with this type of coverage is that, even though states require it, many drivers fail to carry this basic insurance. Thus, if you are involved in an accident which isn’t your fault, you could be left high and dry if the other driver is uninsured. Therefore, most car owners carry uninsured motorist coverage. In fact, in Southern California, where DG Collision Center is located, this type of coverage is mandatory.
Collision Insurance
Collision insurance is generally not required for drivers unless their vehicle is held by a lien. (This means the owner is financing or leasing the vehicle). Collision insurance is designed to cover the repair or replacement of a vehicle after an accident occurs, regardless of who insurers deem to be at fault. With the number of uninsured drivers on the road and the high expense to repair a vehicle, this type of coverage is a must-have these days.
Comprehensive Insurance
Another insurance which covers repairs is comprehensive insurance. This is, again, not required unless you are leasing or financing your automobile. Comprehensive insurance covers damages which occur to vehicles which are not the result of an accident. These reasons include theft, vandalism, falling limbs from trees, damage caused by animals, etc. If you cannot afford the cost of repairing or replacing your vehicle if something unexpected occurs, comprehensive insurance helps with these repairs. In most cases, the owner will absorb some type of deductible. As your experienced insurance professional whether your policy covers these types of incidents.
Auto Body Repair Coverage
If you’re unsure whether your insurance will cover the type of damage that your vehicle has sustained, bring it into DG Collision Center for evaluation. We will assess the damage and provide an estimate, which details your financial responsibility (if any) along with the coverage that your insurer will provide. In some cases, it might make more sense to pay cash rather than to submit a claim to your insurance company, which could result in an increase in premiums down the road. However, if it does make sense to involve your insurance company, rest assured we will work directly with insurance adjusters, so you won’t have to bother. At DG Collision Center, our goal is to get you back on the road with as little expense and hassle as possible.
About DG Collision Center in Covina, California
If you or someone you love is involved in a car accident, regardless of whether the repair is covered by insurance, we would love to help get you back on the road. DG Collision Center in Covina, California is your one-stop-shop in Covina for auto body repair after car accidents and auto restorations. Our highly trained team includes specialized technicians. We work directly with all insurance companies. This enables our customers to file a claim without even needing to be present. Additionally, if you don’t want to leave your home in Covina right after the accident, you can request an online estimate for auto body repairs or any other auto restorations. We have a smartphone app that allows us to provide estimates without coming to your home or place of business. We pride ourselves in providing excellent service.
