Will my insurance cover the cost of auto body repair?

Auto accidents are often an unfortunate reality of driving, and they can leave your vehicle in need of significant repairs. If you're

facing the prospect of auto body repair, one of the first questions that may come to mind is whether your insurance will cover the

costs. While the answer depends on the specific details of your policy and the circumstances of your accident, there are some

general guidelines to keep in mind.

First, it's important to understand the different types of coverage that may apply to auto body repair. Liability insurance, which is

required by law in most states, covers damages to other vehicles or property if you're at fault in an accident. Collision insurance, on the other hand, covers damages to your own vehicle in the event of an accident, regardless of who is at fault. Comprehensive

insurance is another option, which covers damage to your car from non-accident-related incidents, such as theft or weather

events.

If you have collision or comprehensive insurance, it's likely that your policy will cover the cost of auto body repairs, up to a certain

limit. However, you'll still need to pay your deductible before your insurance kicks in. Your deductible is the amount you'll need to

pay out of pocket before your insurance coverage starts.

For example, if you have a $500 deductible and your auto body repair costs $2,000, you'll need to pay $500 and your insurance will cover the remaining $1,500.

If you only have liability insurance, you'll need to rely on the other driver's insurance to cover the cost of auto body repairs.

However, this is only true if the other driver is at fault and has insurance that covers the damages. If the other driver doesn't

have insurance, or if they're not at fault for the accident, you may need to pay for the repairs out of pocket.

It's also important to note that insurance coverage may vary depending on the type of auto body repair that's needed. Cosmetic repairs, such as fixing dents or scratches, may be covered differently than major structural repairs, such as replacing

a bumper or repairing a frame. Your insurance policy may have specific limits or exclusions for certain types of repairs, so it's

important to review your policy carefully or speak with your insurance agent to understand your coverage.

In some cases, your insurance company may recommend a specific auto body repair shop for your repairs. Just know that you

DO have the right to choose your own auto body shop. If you choose to use your preferred repair shop, be sure to obtain an

estimate and communicate with your insurance company to ensure that the repairs will be covered.

Finally, keep in mind that auto body repair can be a time-consuming process. Depending on the extent of the damage, your

vehicle may need to be in the shop for several days or even weeks. During this time, you may need to make arrangements for

alternative transportation.

If your policy includes rental car coverage, you may be able to rent a car while your vehicle is being repaired.

In conclusion, whether your insurance will cover the cost of auto body repair depends on your policy and the details of your

accident.

If you have collision or comprehensive insurance, you're likely to be covered up to a certain limit, but you'll need to pay

your deductible. If you only have liability insurance, you'll need to rely on the other driver's insurance to cover the cost of repairs.

Regardless of your coverage, it's important to review your policy carefully and communicate with your insurance company to

ensure that you understand your coverage and can make informed decisions about repairs.

Feel free to give us a call at (972) 242-0092, or stop by our state of the art facility in Carrollton, TX. We would be honored to help

you!