- "Won't my insurance rates go up?"
- "The damage isn't that bad... Can't I just wait and have it done later?"
- "I'm selling the car soon anyway so why bother?"
Recognizing that there are inherent costs of time and money it is still usually advisable to have vehicles repaired unless they are deemed a total loss by a qualified and trusted body shop or insurance adjuster.
In a nutshell our typical advice is this: Have it repaired, via an insurance claim, at a trusted body shop.
Have it repaired.
First, unless it's deemed a total loss, have it fixed. Repaired cars retain their value when it comes time to sell. You might save money in the short run but lose even more when you go to sell it. Un-repaired cars typically deteriorate after an accident. Remember the second law of thermodynamics from science class? Unchecked everything tends toward greater disorder. Cracked paint allows for rust. Broken parts strain adjacent parts and can cause further damage or even make the car unsafe. In short, repaired cars hold their value and are safer for you, your loved ones and other drivers.and
Via insurance
Second, it is almost always better to run it through insurance - yours or the other parties - if at all possible. Many people fear making a claim thinking there will be a premium increase. Typically that only occurs if there are multiple claims in a short period of time. (And even then it usually takes months before the increase goes into effect.) Many companies now offer accident forgiveness which allows you a certain number of claims before the rates are at risk of going up. Your agent can typically tell you case by case the impact a claim will have on your premiums. It's at least worth a phone call to your agent. Since you pay for insurance you might as well use it. Think about your monthly premium more as an investment in your car that will allow you to get your vehicle fixed right when you need it.
If you're not at fault your insurance company can fight for you better than you can fight for yourself. Yes, you'll have to pay your deductible after the repairs are completed but they can often recover that money if you're not at fault. In the auto body business we see this happen all the time. Insurance companies have the skills, knowledge and attorneys most of us couldn't afford. This is one of the reasons we pay them, right?
If for any reason you are unable (or decide not to) use insurance many shops have an "Economy Repair" option. This is case by case and depends on the body shop but it never hurts to ask. After getting an estimate simply ask if there is any cheaper way to get the repairs done since you are not going through insurance. They may be able to find aftermarket parts or extend a self-pay discount.
Use a trusted body shop
Lastly, for the repairs find a reputable body shop to perform the repairs. There are a few things you can do to determine if a shop is reputable. I suggest you use all of these together rather than rely on just one. First, ask your insurance company who they recommend. Shops on insurance preferred repairer lists tend to be better monitored and have a longer track record of quality repairs. Second, check for reviews to see if the shop has good recommendations from other consumers and even consumer advocates like the Better Business Bureau (bbb.org). Typically there are also reviews online of reputable shops at sites like Google and Yelp. Just type the name of the shop into a search engine and reviews will typically be available for shops with a long track record of quality repairs. You can also get reviews or recommendations by asking friends of their experiences with a body shop. Finally, visit the shop, request an estimate and take the opportunity to simply look around. You will need to trust your gut on this one but shops that are clean, professional and orderly are more likely trustworthy than ones that are dirty, in disarray and have a rude staff.
Hopefully you will not need the advice this article offers but if you find yourself in a collision I hope you will consider having your car repaired, via an insurance claim by a trusted body shop.
Article Source: http://EzineArticles.com/3798181
If your car has been damaged in an accident bring it in to Corby's Collision! We have been in business for 47 years in Vacaville, California. When you do business with Corby's Collision you will not only deal with their qualified and professional staff but, also with Paul himself. He is an Owner/Operator and likes to be "hands on" with everything that goes in and out of the shop.
707-448-1696
