Unexpected automotive repairs can be frustrating and expensive. But, you can minimize some of those costs thanks to car insurance. It's essential to understand what kind of auto repairs are covered by your policy. We understand everybody's coverage may vary, but here are some of the potential repairs that could be covered by your insurance provider.
Accidents and Collisions:
If you're involved in a car accident or collision, your auto insurance policy may cover the cost of repairs to your vehicle. Collision coverage is an optional policy that pays for repairs or replacement of your car if it's damaged in a mishap. If the accident was your fault, your liability insurance may cover the other driver's repairs, and their liability insurance may cover yours.
Car insurance may also cover the cost of repairs caused by weather-related damage, such as hail, wind, and flooding. Comprehensive coverage, also known as "other than collision," is an optional add-on that covers impairment caused by anything other than a collision, including theft, vandalism, and weather events.
Most auto insurance policies do not cover mechanical breakdowns, wear and tear, or general maintenance costs. If you want coverage on those types of services, it is more affiliated with factory warranties. However, your collision coverage may cover the repairs if your car experiences a mechanical breakdown following a vehicle accident. Select insurance companies offer mechanical breakdown insurance, which covers repairs or replacements of mechanical parts but is typically not included in your standard car insurance policy.
Some car insurance policies may cover the repair or replacement costs if your car's windows or windshield are fractured. Comprehensive coverage often includes glass coverage, but you may need to pay a deductible.
Please understand the specific details of your vehicle insurance policy, as it will make the claim process much easier for you. At db Orlando Collision, we can take the stress of your auto body and collision repairs off your hands and keep in touch with your car insurance company. Please give us a call or visit if you would like an estimate for your repairs today!