If you ever find yourself in an auto collision, you should first ensure you and everyone else involved are safe. After the adrenaline disappears, you may start wondering what kind of auto body repair work you will need and whether your insurance will cover it. As you wait for the towing service to arrive, it’s common to think about what kind of costs you may be responsible for.

In truth, there isn’t one universal answer to your question. Different insurance policies cover various types of auto body repair services. If you hold collision insurance, for example, you’ll generally be covered for collisions with other vehicles, as well as stationary objects, like trees and signposts. However, keep in mind that if you were clearly at fault for the accident, your insurance still might cover it, but you could end up paying higher premiums. You’ll also need to coordinate and negotiate with your insurance company and the collision repair team if their estimates for the fixes don’t match up.

Comprehensive insurance adds another layer of protection. That said, don’t let the name fool you—it doesn’t mean that you are covered for any kind of damage. Instead, it’s more of a general term referring to other ways in which your car could be harmed. Examples include striking a deer that suddenly jumped into your lane or damage caused by severe weather conditions. Some comprehensive plans do also include windshield repair. For a small fee or sometimes completely free of charge, you can get a windshield crack repaired or a whole new windshield replacement.

While you may not plan to get into an accident—few people ever do—it’s good to know your insurance fully protects you should you ever need it.

At the collision repair shop of Reffitt’s Garage & Towing Service, Auto Body Repair, in Hamilton, OH, you’ll find a team of pros dedicated to working with your insurance company to get the best results for you. Contact them online to learn more about what they do, or give them a call at (513) 863-3008.