What You Need to Know About Collision Insurance


What You Need to Know About Collision InsuranceTo legally operate a vehicle it and its driver must be insured. Collision insurance is a broad term that covers several types of insurance policies, including liability, and it can be part of a comprehensive package. Driving without insurance is illegal and should you do so and end up in an accident there is a good chance of having to pay heavy fines and be be liable for paying out of pocket for any damage to cars, property and people that was your fault.

A lot of damage can be in an accident, to both the vehicle and any persons involved. In many circumstances collision insurance of the at-fault driver will cover the cost of repairs for involved vehicles and medical expenses for injuries. Even if you are not at fault, and the other driver is not insured, your insurance can still cover these costs. You should be sure that you understand your auto insurance policy before you ever need to file a claim for repairs to yourself or your vehicle.

When you purchase insurance make sure you're aware of what is covered and what isn't in different accident scenarios. Most policies will cover your car and any other car involved, as well as yourself and the other vehicles' occupants, up to a certain dollar amount. That means if the accident is your fault your insurance should cover all damages to vehicles and people to the limits, yet some policies have certain rules and stipulations, such as the accident must involve two or more moving vehicles.

Never leave the scene of a vehicle collision without filing a police report and taking photographs to document what happened and the resulting damage. Doing each of these tasks will provide valuable evidence for your insurance company when you file a claim for collision coverage. Receiving payment from your insurance company may come in the form of a check made out directly to you, a check to the auto body repair shop you select after receiving quotes, or you may be asked to pay for the repairs and then later be reimbursed for the final cost. The method should be detailed in your insurance policy.

If you've been in an accident and need insurance repairs completed remember that you can select any collision repair shop that you want, it isn't up to your insurance company who you go to. For professional auto body repair in Bountiful head to The Paint Spot Body Shop. We are a preferred insurance auto body repair center that can handle all the paperwork to ensure your claim is properly handled! We know that if you've been in an accident things may not be going so well, which is why we strive to provide top of the line customer service and expert repairs to help alleviate your stress. To learn more, or to request an estimate for superior collision repair in Bountiful give us a call at (801) 797-3920 today.


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Written and Published By MORBiZ