Will My Insurance Cover My Car Repairs? Understanding Your Policy

So, you've been in an accident. Now what?

One of the first things on your mind is probably, "Will my insurance cover the repairs?" It's a valid concern, and understanding your policy is crucial. At CrashFix in Burbank and Los Angeles, we're here to help you navigate this process.

What Does Your Car Insurance Policy Cover?

Most auto insurance policies include some level of collision coverage. This typically covers damage to your vehicle caused by:

• Collisions with other vehicles: This is the most common type of collision coverage.
• Collisions with objects: This includes hitting things like trees, poles, and animals.
• Rollover accidents:

What Your Policy Might NOT Cover:

• Damage from wear and tear: Normal wear and tear, like scratches or dents from parking lot mishaps, isn't usually covered.
• Damage caused by acts of nature: Things like floods, earthquakes, and hail are usually not covered by collision coverage.
• Damage caused by vandalism or theft: You'll typically need comprehensive coverage for this.
• Damage caused by driving under the influence: Understanding Your Deductible

Your deductible is the amount you're responsible for paying out of pocket before your insurance coverage kicksin. For example, if your deductible is $500 and the repair cost is $2,000, you'll pay the first $500, and your insurance will cover the remaining $1,500.  

How to File a Claim.

1. Contact your insurance company immediately. Provide them with the details of the accident.
2. Gather information: Collect all relevant information, such as the police report number, contact information for the other driver, and photos of the damage.
3. Get a repair estimate: Bring your vehicle to a reputable auto body shop like CrashFix for a detailed estimate of the repair costs.
4. Work with your insurance adjuster: The adjuster will review the estimate and determine the coverage.

Tips for a Smooth Claims Process:

• Be honest and upfront with your insurance company.
• Keep detailed records of all communication and documentation.
• Get everything in writing.
• Don't hesitate to ask questions if you're unsure about anything.

CrashFix is Here to Help.

At CrashFix in Burbank, we work closely with insurance companies to ensure a smooth and efficient repair process. We can provide you with a detailed estimate, assist with the claims process, and answer any questions you may have.

Remember: Every insurance policy is different. It's always best to review your policy carefully or contact your insurance agent for a complete understanding of your coverage.

We hope this information helps you better understand your insurance coverage and navigate the claims process with confidence. If you have any questions or need assistance with your car repair, don't hesitate to contact CrashFix. We're here to help!