If you have been involved in an accident, you will obviously want to be sure that your vehicle is fixed in a timely and efficient manner. You also want to be sure that these repairs are covered under insurance and that you don't have to pay for anything that could've otherwise been avoided. Here are four things to think about before you take your vehicle to any auto body shop:
- Prepare to Pay Deductible: First off, you must be sure that you have enough money to pay for the deductible. Check with your insurance agent to determine what your deductible for auto body repairs might be. It could be $500 or $1000 or even more. If you don't have the money to pay for the deductible, then you won't be able to receive the repairs that you need, since insurance will only start to cover expenses once that deductible is paid.
- Ask About Replacement Parts: Some auto body shops will only replace parts that need to be replaced with salvaged parts. In fact, your insurance company may only cover the cost of the auto body repairs if you are replacing parts with salvaged parts. Usually, if you were at fault for the accident, then you won't have a choice because the cost of repairs will be cheaper for the insurance. However, if you were not the cause of the accident, then you should be able to choose to have your parts replaced with brand new parts--just be sure that your insurance will cover it.
- Clarify the Rental Expenses: If you have rental coverage under your car insurance policy, then you want to be sure that you clarify what kind of rental expenses are covered. For example, you may have a rental arrangement under your insurance that says you are only covered for renting a small car. However, this may not be the best option for you, so you will probably have to adjust the type of rental coverage that you have so that you are able to receive a larger vehicle.
- Make Sign Offs be Required: When you first take your vehicle into an auto body shop, be sure that you ask to have sign offs be required. This means that the auto body shop will not be able to make any repairs on your vehicle without your permission, even if those repairs are going to be covered under insurance. This ensures that you know exactly what you are paying for and won't have any surprises once you receive the final bill.
Knowing these four things before receiving auto body repairs will ensure that you know what you are paying for and exactly what to expect. Talk to a service like Freeway Auto Body Ltd for more details.