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How to Tell if Your Insurance Covers Your Car Body Repair
Many people make the mistake of assuming their car insurance will cover body repair no matter what. In actuality, whether an insurance policy covers body damage depends on the circumstances and your policy. It’s important to know exactly what your policy covers, and in exactly what amount, so you don’t find yourself with an unpleasant surprise when you file an insurance claim.
First, don't assume your "full coverage" policy is actually full coverage. In fact, there isn't actually such a thing as full coverage insurance. All states require liability insurance. This policy will take care of any damage — up to a maximum amount — that you cause to someone else's vehicle, but it doesn't cover yours at all. If you want your insurance to cover your car's body repair after an accident, you will need comprehensive coverage. It gets even more complicated than that, though.
Comprehensive insurance only covers up to the value of your car. If you have a nice, newer model vehicle, this works out well in your favor, but if you've been driving the same car since 1999, you could find the damage costs more than the car itself, which leaves you scrambling for money for repairs or a new mode of transportation.
Additionally, you have to consider your deductible. If the damage is $600 and you have a deductible of $500, your insurance will only cover $100 of the repair. Your overall coverage limit also plays a part. For example, if you have 10/20/10 insurance, it covers up to $10,000 per person injured, up to $10,000 for property damage and up to $20,000 total. If body damage or the combined total of the accident reaches your coverage limit, you will have to pay any overage yourself.
Another circumstance to consider is the person at fault in an accident. If the other driver is at fault and has the insurance they should, their policy should pay for your vehicle’s body damage. However, if they are driving with no insurance, you could find yourself paying the price. Not all states require insurance companies to cover damage if the other driver was at fault, so it will depend on your state’s laws and your insurance company’s specific policies.
Of course, the easiest way to know if your car insurance covers car body damage is to contact your insurance broker and ask. If you find it doesn’t cover the damage, you can work on changing your policy so you’re better protected. Visit this website to find out more about auto body repair in Clayton.
Justin is a certified car nut and writes about all car topics. He has a special interest in performance parts, wheels and rims. Share his enthusiasm at heavy vehicle guides on Blogspot.
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