Do you have comprehensive and collision insurance coverage? Then, you should report the accident to your insurance company and have your car repaired. Failure to do so can result in the insurance company refusing to pay your claim and can also cause your premiums to increase. To avoid these situations, get your car repaired as soon as possible. If you can’t get it repaired right away, wait a few days before reporting the accident.

Cost

If you have collision or comprehensive coverage, auto body repair for insurance claims Lakewood, CO will pay for it. The claim adjuster will assess whether repairs are covered and how much it will cost to repair the car. You may opt to pay for the repair out of pocket for simple maintenance or save the money for a bigger claim. But do remember that the premium will go up if you have an accident that was your fault. In that case, you should seek other insurance options.

While vehicle accidents are common, they still feel like an event. The amount you need to pay for auto body repair will vary greatly depending on your car model and the damage caused by accident. For example, a luxury foreign vehicle may cost much more than a domestic sedan. A small door dent will cost less to repair than a bumper replacement. And if your vehicle is a sports car, it will probably cost more than a standard sedan.

Time frame

When filing a claim for auto body repair, you can expect some different decisions to be made. Whether to use your own insurance company or deal with the other party is up to you. If you’re unsure about your options, consult with a professional before signing anything. A consumer may choose to file a claim with the at-fault driver’s insurance company in some cases instead of going through the claims process.

If your policy covers auto body repair, you’ll need to take your vehicle to a collision repair shop. Then, once you’ve got the car back to normal, you’ll need to report the accident to your insurance company. Otherwise, they may refuse to cover the claim or charge you higher premiums for the repairs. To ensure that your claim gets paid, remember to carry your Proof of Insurance and notepad with you.

Reimbursement

Using auto insurance for collision repair is one way to save money on car repair costs. Most insurance plans come with deductibles, which you pay before the insurance company begins to cover costs. For example, a $500 deductible would cover $350 in auto body repair costs, while a $1,000 would cover the remaining cost. In addition, deductibles can help you avoid a rate increase in the long run by reducing the cost of repairs.

When securing lower costs, insurance companies often work with collision repair shops that have contracts with insurers. Using these shops gives them access to lower labor, parts, and materials costs. However, many insurance companies don’t cover OEM parts, so consumers are responsible for the extra cost. If you want to avoid hefty repair costs, you can consider using a collision repair shop that works directly with your insurance company.

First-party claim

Your car insurance policy covers the repair costs after a deductible, up to the limits of your policy. First-party claims, however, are subject to certain restrictions. For example, you cannot object to your insurance company naming the repair shop on the check. In addition, the insurer may need to inspect the vehicle for several weeks before issuing a cheque, which delays the return of your fixed vehicle. Nevertheless, the benefits of first-party auto repair insurance are worth pursuing.

A third-party claim can result in damages for the other driver. In this case, your car insurance company would cover the damages and any lost wages and medical bills. This way, your car insurance company can minimize the amount of money you owe. However, if the other driver is not insured, your car insurance company will not pay for the repairs. Therefore, third-party claims are only available if the other party is at fault.

Experience of shop

When you file an insurance claim, you’ll often be asked to select a body shop that has a good reputation. However, some insurers steer customers away from such shops. While you may feel that the shop you choose has the best reputation, the truth is that it’s up to you to determine if the shop is the best option for your needs.

The shop’s experience with insurance claims is a good indication of their quality of work. If they’ve handled many similar claims, they’re capable of meeting your needs and expectations. Check out whether the insurance company has verified the shop’s work. Make sure to check for warranties before you pay them. Many insurance companies require a written quote from the shop, so don’t be afraid to request one.