Auto Paint Jobs

Smash Repair Questions to Expect from Your Auto Insurer

2 March 2022

Gavin Lawson

Car dents caused by road accidents can be a bummer to your day's schedule, especially because you never see them coming. However, while you can ignore the tiny ding or dent on the side of your vehicle, you can only drive so long with such a blemish. Notably, dents lower your car's value and deprive it of its aesthetics, especially if it is a luxury brand. Moreover, dents increase the chances of paint scratches on affected spots. Thus, immediate repair by a professional smash repairer is critical to restoring your vehicle to its glory days. However, your insurer will ask a couple of questions regarding smash repairs. This article highlights some of the questions to expect.

Who Is Your Preferred Smash Repairer?

The first question an insurer will ask you when you are involved in a car accident is your preferred smash repairer. Unfortunately, most motorists are not prepared to answer the question and those who do give the name of their local mechanic. While qualified and licenced auto technicians know a lot about car issues, it does not make them smash repairers. Notably, smash repairs can only be offered by an auto technician who has the skills and equipment to restore body damage. Therefore, it is advisable to select an auto service shop that offers smash repair services. Developing rapport with such a provider guarantees that your vehicle will be in good hands should you require smash repair services in the future.

Will You Pay Out of Pocket or via Insurance?

Auto insurance policies cover major and minor damage caused by accidents. However, it does not mean that your insurance cover should repair every small dent your car gets. It is why your auto insurer will ask you whether you prefer to pay for body damage out of pocket or through the insurance company. Ideally, minor smash repairs such as dent restorations do not require you to raise a claim since it would be more expensive. Therefore, when asked how you wish to pay for the smash repairs, consider the extent of damage before deciding.

Will You Have Other Work Done?

Collision damage can point a smash repairer to other car problems unrelated to the accident. In most cases, a smash repairer will address all damage and provide a single invoice. However, you should understand that most auto insurance policies do not cover repairs caused by poor car maintenance. Therefore, if your insurer notices that the total smash repair cost includes care-related repairs, they might decline to cover repairs. Thus, insurance companies often ask clients whether they plan to have other services done besides smash repairs. If you do, you need separate invoices, one for smash repairs and the other for everything else besides collision-related works.

Share  

Search