After an accident, figuring out your collision repair options quickly becomes a top priority. But how do you navigate your repair needs with the insurance company? Though filing a claim can seem complicated, understanding a few insurance basics will ensure you get the financial help you need for repairs.

FAQ About Collision Repair & Insurance

Should I File a Claim When I Didn’t Cause the Accident?

Regardless of whether or not you’re at fault, you must file a claim with your insurance company. This will help you receive financial support for your repair costs if the at-fault party isn’t responding appropriately. For incidents where you weren’t at fault, it could even help you avoid paying the deductible.

What if My Car Was Totaled?

If your vehicle was totaled, you’ll generally be reimbursed with a cash payment equal to how much your car was worth before the accident. However, insurance companies typically will not provide full coverage for collision repairs if you wish to keep the vehicle.

How Much Do I Have to Pay?

For accidents where you were at fault, you will generally need to pay a deductible out of pocket before insurance pays for the rest of the repairs—unless this maxes out your policy limit. Deductibles commonly range from $500 to $1,000.

How Can I Drive While My Car Is Being Repaired?

Depending on the extent of the damage, your car might need to be in the repair shop for several days. If you choose to add rental reimbursement coverage to your insurance policy, you won’t have to pay extra for a loaner car.

From small scratches and dents to more extensive auto damage, it helps to have an expert repair team on your side. Schneider Auto Body in Columbia, MO, has provided industry-leading work since 1989, helping drivers navigate the entire collision repair process with ease. To learn more about their services or request a free repair estimate, visit them online or call (573) 815-0198.