If car dents, dings and scratches are not given immediate attention, there is a possibility that the damage becomes extensive and will require costly repairs. As stated in an article on PristineDentRepair.com, the damages can happen anytime, and they are either the driver’s fault or another driver’s fault. And, the damages can also happen because of hail and severe storms.
When a car (collision repair) job is necessary, there is an option to file for an insurance claim. But, under which circumstances should one get insurance coverage for damages? And, when is it more reasonable to just pay for the repairs without the help from insurance companies? PristineDentRepair.com offers a guide on how insurance covers dent repairs.
Types of Car Insurance
There are two types of insurance coverage: collision insurance and comprehensive insurance. Collision insurance covers the cost of repairs for damages resulting in an auto collision. The insurance coverage may also pay for car replacement when the damage is extensive. Comprehensive insurance covers the cost of repairs that is not caused by an auto collision like hail or vandalism.
Insurance companies provide some examples of situations where the two types of insurance are useful. According to Nationwide Mutual Insurance Company, as stated in the article on PristineDentRepair.com, a collision insurance coverage is applicable when damage is caused by a car hitting an object like a tree, a car colliding with another car, a car rolling over or a car hitting a pothole. A comprehensive collision coverage, on the other hand, is applicable when damage is caused by an object falling on a car, an animal colliding with a car, a natural disaster or fire damaging a car or a car being stolen or vandalized.
However, factors like extent of damage to a car, insurance deductible to be paid and the total value of a car must be considered when deciding whether filing a claim for a (collision repair) is the best thing to do.
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When to File a Claim
One reason to file a claim is when the damage is someone’s fault. Another one is when there is significant damage to a car even if it is not the fault of another driver. Filing for repairs in this situation usually have good benefits. Still another reason to file a claim is when the cost of repair exceeds the deductible.
Repair shops offer discounts that will be applied to the deductible to help customers get a lower out-of-pocket expense. 5 Star Autoplex, for example, provides a way for customers to save up to $1,000 on their deductibles. The company is a trusted auto body repair shop in Fort Worth, Texas. And, it offers 100% customer satisfaction guarantee while keeping repair costs low. Get a free estimate now!