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Most of us, if we are lucky, have very limited experience dealing with body shops and auto collision repair shops. Unless you are frequently involved in car accidents or just have terrible luck with trees falling on your car or driving through 2 foot deep pot holes, you probably will not need to have your car in the shop for auto collision repair. When you do get in an accident or your car's body is damaged in some kind of collision, you need to find a good place to have your vehicle fixed.
When you have an automobile accident that results in damage to your vehicle, it is very likely that your insurance company will become involved. Assuming the collision results in more than a few hundred dollars in repair costs, it would be to your benefit to file a claim with your insurance company. In some cases, one may choose to file a claim against the other driver's insurance company. If the other party was At Fault, you may receive a check from your insurance company and they will then seek reimbursement from the other party's insurance company.
Once the appraiser comes out and gives you an estimate for your vehicle, the car can be taken to an auto collision repair shop and the work started. The way insurance usually works is that you, the insured party, choose the approved auto body shop to do the work. This is where it is very important to get at least 2 and preferably 3 or 4 written estimates from local auto repair shops around your neighborhood. Estimates can vary widely from shop to shop, but, the check from the insurance company will not.
As an example, imagine backing into a pole and causing some damage to the bumper and side panel. The first shop you take the car to tells you that you will need a new bumper, new side panel, a paint job and 20 hours of labor to fix the car. They give you a $3,000 estimate. You are a little taken back by the cost so you take the car to another repair shop for another estimate. This time, the estimate is for only $1,200. The difference being, the second shop has equipment that will pull out the dent in the side panel and also says it only needs some touchup paint. They will get you a perfectly good used bumper and save you a bunch of money.
When you get the check from the insurance company for $2,000 and go with the 2nd option, you will get your car repaired and put about $800 in your pocket. If you had stuck with the first estimate you would either be out-of-pocket $1,000 or be forced to try to convince the insurance company to come up with the extra money to pay the auto collision repair shop.
What else can I help you with?
What is collison auto coverage?
Collision coverage pays to repair your vehicle after an accident. Comprehensive coverage pays to repair your vehicle for damage caused by something other than an accident, like fire, theft, and vandalism.
What insurance is needed in case of a car collision?
Collision coverage, also known as auto collision insurance, is the part of your auto insurance that most always pays for damages to your vehicle in the case of an accident.
What does no fault pay and what does your insurance pay?
No fault coverage is a type of auto coverage that most states require a registered owner of a car to maintain. It pays a percentage of the medical expenses and lost wages of that person or members of his/her household who may be injured as a result of a collision. It pays the covered person without regard to fault for the collision. It pays nothing to the driver or owner of the other vehicle or property involved in the collision.
What type of insurance will cover an auto rollover?
Collision coverage pays if you hit something or turn a vehicle over. Hitting an animal is covered through Comprehensive or Other than Collision (Difference in terminology only).
What is collision automobile insurance?
Collision pays to have your car fixed if it is damaged in a collision with another vehicle. There is usually a deductible that you have to pay.
How much does the position insurance adjuster pay in the auto repair field?
The position insurance adjuster pays about $45000 to $65000 in the auto repair field. You can read more at http://www.job-search-engine.com/keyword/property-insurance-adjuster-field/
What are the different types of auto insurance?
Liability - pays for damages you caused to another auto or person(medical). Full Coverage (Comprehensive) - Includes Liability plus covers your vehicle for theft, fire and collision. There may also be other coverages on an auto policy, depending on your state, such as PIP.
If you have caused an accident which type of automobile insurance would cover damage to your own car?
The collision portion of your Auto Insurance Policy would pay for damages to your own auto when you are the at fault party. The liability portion of your auto insurance pays for damages you cause to another party Insurance Plus
Does collision coverage insurance pay medical bills?
No. Collision coverage pays for the physical damage to your own car, subject to any deductible. Medicals are paid by a separate coverage-sometimes called Personal Injury Protection, but it may be called by a different name depending upon the State involved. It is what is generically called No Fault coverage. It pays a percentage of your medicals and lost wages if you are infured in an auto collision irrespective of fault. As such, it is a form of "first party" coverage that you maintain on yourself.
Does gap insurance cover a death?
No. If a car is determined to be a total loss as a result of a collision, GAP insurance pays the difference between what the collision coverage pays as the actual cash value of the car and the outstanding loan balance.
What kind of customer would want collision coverage for his or her auto insurance?
Someone concerned about damage to his or her own car. This is because collision coverage pays the cost of repair to one's own car, and to that extent, it is referred to as "first-party coverage". The payment made by the insurer is generally subject to a deductible, which is the dollar amount that the insured has agreed to pay toward the cost of repair. When a vehicle is financed or leased, the lender or the lessor will invariably require the customer to maintain collision coverage on the vehicle so as to preserve the value of the collateral. If the customer does not demonstrate that he/she/it has, there is generally a process by which the lender/lessor can obtain "forced-placed" coverage and have the premium added to the customer's loan/lease account.
What kind of customer would collision coverage for his for her auto insurance?
Someone concerned about damage to his or her own car. This is because collision coverage pays the cost of repair to one's own car, and to that extent, it is referred to as "first-party coverage". The payment made by the insurer is generally subject to a deductible, which is the dollar amount that the insured has agreed to pay toward the cost of repair. When a vehicle is financed or leased, the lender or the lessor will invariably require the customer to maintain collision coverage on the vehicle so as to preserve the value of the collateral. If the customer does not demonstrate that he/she/it has, there is generally a process by which the lender/lessor can obtain "forced-placed" coverage and have the premium added to the customer's loan/lease account.
