After getting involved in a car accident, trying to understand the ins and outs of how your insurance works can be a hassle. After all, you purchase insurance to help cover any auto body repair costs, but if you’re not careful, even an accident where you are not at fault can cause insurance premiums to go up. As the team at C & H Body And Fender in Honolulu, HI, notes, there are a few factors you should consider when navigating the world of auto insurance.

To avoid seeing an increase in your insurance premiums after filing a claim for auto body repair, it’s essential to do your research when buying insurance in the first place. Carefully examine the insurance provider’s policy regarding the various elements of an accident. Do you need to seek repairs from a certified auto body shop? Do certain requirements need to be met to avoid an increase in your premium payments after an accident? Learning the answers to these questions before you buy insurance will help you avoid costly rate increases later on.

It is also important to understand how much of your auto body repair work is covered by insurance. The coverage you receive can vary depending on the type of work needed. You shouldn’t walk into a repair shop and assume your insurance will cover all of your expenses — quite often, you’ll still need to pay a deductible for your repairs. Understanding what is offered at your level of coverage will help you avoid an unpleasant surprise when you receive your bill.

For a reliable auto body repair team who will work with your insurance company to reduce your out-of-pocket costs, you can turn to the professional mechanics at C & H Body And Fender. To learn more about the services provided by this collision repair shop or to request a repair estimate, visit them online or call (808) 841-3618 today.