After a car accident causes severe damage to your vehicle, it’s natural to be concerned about which auto body repair services will be covered by your insurance company. As the team at Columbus Auto Body Works in New Haven, CT, explains, there are a few factors that will impact how much you need to pay for your repairs.
Naturally, the insurance negotiation process will be different for everyone depending on who was responsible for the collision. If you are at fault, or no other drivers were involved in the accident, your auto insurance policy will cover most of the repair costs.
However, your policy likely won’t cover ALL the repair work. It’s normal for your insurance policy to have a deductible ranging from $250 to $1,000. You’ll have to pay this money out of pocket before your insurance covers the rest of your repairs.
If someone else was responsible for the collision, their insurance company would pay for any auto body repair work you might need. If the driver responsible for the accident doesn’t have enough insurance to cover your repair costs, your own uninsured or underinsured motorist coverage may come into play to make up the difference, depending on the type of policy you have.
The auto body repair team will typically negotiate with the insurance company to achieve an agreement to repair the damage that requires minimal payment on your part. If the cost of repairing the vehicle exceeds the car’s value, however, the insurance company likely won’t cover the costs of your repairs. In these cases, you will either have to pay out of pocket for any repair work, or you can accept a total vehicle loss settlement from the insurance company.
From paintless dent removal to full body collision repair, the team at Columbus Auto Body Works will help your car look like new again. To learn more about their auto body repair services, visit them online or call (203) 865-3155.