Fully comprehensive car insurance policies typically cover any damage to your vehicle, but not all auto body work is viewed as severe enough to warrant an insurance payout. In some cases, you may be able to claim on your insurance to pay the auto body shop in Calgary for repairs, but this may end up costing you more in the long run due to the nature of insurance.
Fortunately, we have prepared this short guide to auto repair insurance to clarify things for you.
Which Types of Car Insurance Cover Auto Repairs?
There are three main types of car insurance you can purchase: third-party, third-party fire and theft, and fully comprehensive. The third type is the only one that covers damage to your own vehicle that is not caused by fire or theft, so it is the type you can claim for auto repairs. With fully comprehensive insurance, you can claim for accidental damage you cause, damage caused by a crash, and acts of vandalism.
Is It Worth Claiming for an Auto Repair?
Despite auto repair work being covered by comprehensive insurance policies, sometimes it is not worth claiming for minor damage such as scratches or dents because most insurance policies include an excess. This means that if you make a claim, you will have to pay the excess amount as well. If the auto repair will cost less than the excess, the claim is not worth it because it would be more cost-effective to fund the repair yourself.
Claiming on your insurance could also cost you your no-claims bonus, which, if maintained, will help to reduce the cost of your car insurance for the next year. You should absolutely claim for major damage to your vehicle, but it is worth weighing up whether you will be able to save more money in the long run by paying for an auto body repair yourself instead.
What Auto Body Repairs Does Insurance Typically Cover?
Typically, fully comprehensive insurance allows you to make a claim for whatever you feel is necessary. However, certain policies include exclusions, so you will need to thoroughly read your policy before raising a claim. If there are no established exclusions, insurance should cover the following auto body repairs:
Dents and scratches
Damage caused by animals
Part replacements needed after an accident
Wheel and tire damage
Remember, each individual case is different, so your insurance company will evaluate your claim and advise you on the best course of action to take. Find out how much the auto repair will cost before you make the claim so that you are not hit with unexpected costs afterward.
Can You Use Any Auto Body Shop?
Sometimes, when you make a claim, the insurance company may recommend a specific auto body shop in Calgary for repairs. Though you should consider their suggestion, you ultimately have control over what happens to your vehicle and can choose any auto body shop that you like. Look into a few places and determine which one will offer the best service for your damaged car.
MP Autobody Repair is your trusted choice for auto body repair in Calgary. From minor scratches to dings, our team will quickly restore it to its previous condition. Our auto body repair services can be done while you wait, or we provide rental cars to let you get on with your day! Contact the expert team at MP Autobody for your repairs. We can give you the best service, for the best price. We’ll have you set and back on the road as soon as possible. Questions? Contact us today! SE CALGARY: (403) 640-4748 | NE CALGARY: (403) 291-5577
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MP Auto Body Repair is your all-in-one source for auto body work in Calgary. No matter what make and model you have, we'll do our best to get your vehicle back to its prior condition. Call today to learn more about our services or visit our Calgary body shop alternative restore your vehicle today.