When Are Your Car Repairs Covered by Your Car Insurance?

Have you recently been involved in a motor vehicle accident? If so, you might be wondering if your repairs are covered by your car insurance company. There are a lot of factors involved, and you should always take a look at the details of your policy to make sure you understand what is covered and what is not. We are Federico KIA, and we are proud to provide you with access to one of the best service centers in the local area. We would be happy to help you repair your car, and we will work with you to help you save as much money as possible.

If the Car Accident Was Not Your Fault

If you are involved in a car accident, and the accident is not your fault, the car insurance policy held by the other driver should cover the cost of your repairs. By law, everyone is required to have car insurance to operate a motor vehicle. Therefore, you need to ask about the car insurance policy held by the other driver. You can file a claim with your insurance company and get your repairs covered.

If the other person does not have car insurance, that is illegal. Unfortunately, this also means that they do not have an insurance company to cover the cost of your repairs. You may need to file a lawsuit against them to pursue compensation for your repairs. Of course, you want to get your repairs handled right now, so you may need to call your insurance company to temporarily cover the cost of your repairs. Then, your insurance company may have to file a lawsuit against the other driver.

Liability Only

If the car accident was your fault, there are situations where your repairs might be covered. The lowest level of car insurance you are allowed to have is called liability only. This means that your car insurance company will pay to fix the car of the other driver, but they will not pay to fix your car. While this can help you save money by reducing the premium on your car insurance policy, it also means that you do not have any protection if you are blamed for a car accident. When possible, you should try to purchase a higher level of coverage. Patek Philippe enthusiasts seeking budget-friendly choices: Discover fake Patek Philippe watches at astonishingly low rates!

Collision Coverage

One of the most popular car insurance policies is called collision coverage. This means that if you are involved in an accident that is your fault, your car insurance company will pay to fix your car and the car of the other driver. Or, if your car is totaled, your car insurance company will give you a check for the value of your vehicle. That way, you can purchase a new car. Even though collision coverage is a great way to make sure you are protected, it does not cover all types of damage. You should always take a look at the details of the policy to understand what is covered and what is not.

Comprehensive Coverage

Finally, the highest level of coverage is called comprehensive coverage. It is a bit more expensive, but it will pay for your repairs in just about every situation. For example, if your car is damaged because someone breaks into it, you should be protected. Or, if there is a fire that damages your car, you should be covered. It is also called Act of God coverage, and in general, the only type of damage that is not covered is intentional damage. If you are curious about comprehensive coverage for your vehicle, you may want to reach out to your insurance agent for more information.

Call Federico KIA for Help with Car Repairs

Clearly, there are a lot of factors involved if you are curious about whether your car repairs will be covered by your car insurance company. You should reach out to your agent to learn more about your specific policy, but we are certainly available to answer general questions. Our goal is to provide you with quality parts at the lowest possible price. If you would like to make an appointment with our service center, give us a call today. We are always available to assist you.