Posted on: June 11, 2020
After getting into an accident or a fender bender, your car may require anything from a simple paint job to some extensive repair work. If you are like most people, you have probably heard some auto collision repair myths in the past that have made you unsure of what to do next.
While some of these myths may have small bits of truth, most of them aren’t based on any facts.
Do you have to use the body shop your insurance company chose? Is it really necessary to get three repair estimates before you can do anything? Read on to find out if these myths about auto collision repair are true or not.
When you get into an accident, you don’t want to use a poorly-rated repair shop or mechanic. We’ve all heard horror stories about unscrupulous shops, so you naturally want to go to a team you trust. One of the most pervasive auto body repair myths is you have to go with a repair shop your insurance company chooses.
This is completely untrue whether you’re repairing a car door or need full bodywork. If you are an insured driver, you are legally allowed to work with any auto body repair shop you want. While an insurer may want you to pick a cheaper shop or a company they have agreements with, they will honor your decision to work with the repair shop of your choice.
While it is often a good idea to get multiple estimates to find the best price, you are by no means required to do so before the work is completed. Thankfully, this is another one of the most common auto collision repair myths. You don’t need more than one estimate for your repair costs.
While you may only be required to get a single estimate, there are times when you might want multiple estimates as you search for a fair, reasonable price. Your insurance company will most likely conduct their own estimate after you have chosen a shop to work with, so you will want to find a shop with a similar cost unless you are ready to cover a portion of the repairs on your own.
While we wish insurance companies would pay the entire cost of a claim, this isn’t always the case. For example, most insurance plans involve some kind of deductible. If your plan has a deductible, you will have to pay it before the insurance will cover any of your additional repair costs.
With a $500 deductible, you pay the first $500 of your claim whether the accident was your fault or not. If your claim is valued at $1,500, then you pay $500 of the claim. Your insurance pays the other $1,000.
Keep in mind, you can reduce the cost of your repairs by choosing a lower deductible. But you will also pay a higher monthly premium when you reduce your deductible amount. On average, if you increase your deductible from $500 to $1,000, you can save about 30 to 40 percent on your monthly premium.
Your insurance will only cover your vehicle repairs if you have liability coverage. Otherwise, you will have to pay the entire cost of your vehicle’s service. You should check your insurance policy to see what collision coverage is included.
This is another one of the most common auto collision repair myths it’s important you know about before taking your next steps.
While many people believe only a dealership has the ability to repair your vehicle to its proper form, almost any body shop can access the repair manual and order the parts you will need. These teams have the level of training, experience, parts, and equipment you need to repair your car.
After getting into an accident, your repair shop will give you an estimate for your total repair costs. This doesn’t have to be the only estimate your send your insurance company. Even when you only had a fender bender, if the mechanic finds hidden damage after they begin repairs, they can send these repairs to the insurance company as well.
To get the additional repairs covered, a representative from your repair shop must send the new repair appraisal to your insurance company directly. Then, the insurance company will reappraise the damage and determine the additional money you will receive to cover those costs.
This is one of the myths about auto collision repair that is untrue but also has a double meaning. Your insurance company doesn’t have the right to tell you which repair shop you should go to. They also aren’t in charge of providing you with a warranty for the service.
In reality, your repair shop is in charge of giving you a warranty. Because of this, you should talk to the auto body shop first to see if they offer warranties for their work. Be aware that some problems like rust may not be covered by a warranty.
Technology makes many things easier, but insurance apps aren’t always the best method to use if you want to get an accurate repair estimate. These apps are promoted by insurers because it makes filing a claim easier. However, there are some problems these apps can pose to the process.
One example is when you use this software to take a photo of your car, the appraiser can only see the surface damage. While if you go to a shop to get an appraisal, the shop is able to see all of the hidden, underlying damage. This means you get a more accurate quote, and you can also find out if there are any issues that could make your car unsafe to drive.
It isn’t hard to find a good auto body shop that will provide you with professional and expert care.
By asking for recommendations and reading customer reviews, you can find a company you can trust to do your repair work.
You can learn more about auto collision repair myths by reaching out to Todd’s Auto Body. We offer reliable, trustworthy services, which is why our shop continually has return customers.
To find out more, call our team now at (217) 431-7209 or fill out our online form to get a free estimate.