If your car is damaged either because of an accident or any other cause, you have to decide how to fix it. That can be a process as car repair can be a bit costly in garages and repair shops. This article presents you with tips to help you in repairing your damaged car.
1. Choose What Insurance To Use
Suppose your car damage came from an accident; you can choose whether to go through your insurance or the other parties’ insurance. Sometimes going through the other person’s insurance can take a long time because they might deny being at fault.
That means you have to wait for a recorded statement and police report. If the other party is responsible, that means they will take care of your car repair without charging you the deductible.
If you go through your company and it turns out it is not your fault for the accident, they pay for all the repairs without the deductible. That is because they get refunded all the money from the other person’s insurance.
Making that claim will not increase your premium if you are not at fault. However, if you are the one at fault, going through your company means that they charge the deductible. Your insurance premium might also increase.
Going through your own insurance company is usually faster in all cases instead of using the other party’s insurance company. If your car damage was from different means, that means you have to go through your insurance company.
They will take care of some of the repair costs, excluding the deductibles.
The amount of money that the insurance company values your car does not have to be the final amount of money you receive. Ensure you present them with facts like custom paint, low mileage, or upgrades by the car manufacturer.
Those facts can help you get a higher value for your car. If that does not help, consider getting an attorney to help you negotiate your vehicle’s value.
3. Choose Which Shop To Get Repairs From
Most of the time, the insurance company you decide to use usually has several repair shops they work with. They provide you with the address and names of those shops. However, it is not a must that you go to those specific shops.
The advantage of using those repair shops is that their costs are low and reputable repair services. In case you do not feel comfortable receiving repairs from the given shops, the insurance company allows you to choose another shop.
The only condition is that repair prices be the same as those of their recommended shops. Some other insurance companies do not have shops they recommend. They ask you to get bids from different shops and then have you pick one from those.
If you do not have car insurance taking care of the damages, you have to make sure that the repair shop you visit has the best services. Consider checking their reviews or asking around. Price is also a factor to consider.
Make sure that you get price estimates from different repair shops. Couple the prices with their level of services and determine which one is the best shop to visit.
4. Decide Whether To Repair Or Not
Sometimes it is cheaper to get rid of the car instead of repairing. You need to evaluate the damaged parts and the extent of the damage. If the damaged parts are expensive to repair then, it would be better not to fix them.
Sometimes repairing a car means the beginning of continuous garage visits or constant breakdowns. It would be wise to dispose of the vehicle in that case.
5. Get Involved
If you decide to repair your car, you should get involved in the whole process. You should be present as they assess your car damages. Ensure that you ask about hidden damages because those could cost you a lot of money in the future.
Check-in often as the repair process continues and also ask for details about their examinations and repairs. Ask them about the precautions you need to take for proper care of your car.