Regardless of where you live, driving without insurance is a risky bet. Imagine you are going grocery shopping and just parking the car when suddenly you accidentally hit the curb, or a car from behind bumps into yours, or you chip somebody else’s because you did not pay attention to the other side. In a situation like this, the first thing you think is, ‘Does auto insurance cover repairs?’ Learning exactly what your car insurance will and won’t cover can prevent you from spending a whole lot of money on auto body repair.
The thing is that not all car insurance policies are the same. Some will cover nearly everything, and some will leave you with a bill for repairs you thought were covered. The problem is real, which is exactly why so many car owners in Canada end up surprised when they make a claim. As a car owner, you might need auto body repair work after a collision, so you might end up searching ‘collision repair shops near me.’ It is important for you to understand your insurance coverage so you can get your car on the road without taking out a small business loan.
Comprehending Auto Body Repair Insurance Coverage
When it comes to auto body repair insurance, an important consideration is your type of car insurance policy. In Canada, most people have liability car insurance. However, there is a twist. Liability car insurance will cover damage to other people’s cars, but not your car. To repair your car if you get involved in an accident, you need collision car insurance.
Collision coverage is what takes effect when your car gets damaged in an accident with another car, or object, including if you roll your car over. Collision is basically the coverage that assists in taking you to an auto collision repair shop and gets your car fixed. The other critical part of this puzzle is comprehensive coverage.
Comprehensive coverage protects your car against damage from non-collision events such as theft, vandalism, hail, or falling tree limbs.
What many car owners wonder about is coverage for specific repairs. For instance, if your car’s climate control system won’t function anymore, and you are searching for ‘auto air conditioning repair near me,’ this is not part of car insurance. Typically, car maintenance and car breakdowns will not be covered if you do not have an additional insurance policy for this purpose.
Benefits of Having Suitable Auto Body Repair Insurance
Having the right insurance coverage can give you true peace of mind. When an accident takes place, you won’t have to worry about where you will get all of those thousands of dollars to repair your car because collision insurance will shield you from such expenses when unforeseen circumstances come into place.
Additionally, you will benefit from faster repair times. With insurance covering the repair work, you will be able to have your car repaired at accredited car collision repair centres that have a working relationship with your insurance provider. As such, you will not have to wait for months before you can raise money for repair work since you will have access to immediate repair services.
Having good coverage will also go a long way in protecting the value of your car. Professional car repair work will keep your car safe and increase its value. Even if you have to do the repairs yourself because you are paying for them, you will face serious issues in the future if your car is not properly repaired. Insurance will make it possible for you to do this.
Why Clients Select Starlink Autos for Auto Body Repairs
At Starlink Autos, we are the trusted option for car owners in Milton and the surrounding regions of Canada because we simplify car insurance repair.
Our team can work with all of the major insurance companies, which means less paperwork for you. We work with your adjuster, deliver detailed repairs, and make sure all of the work is up to requirements with both your insurance and manufacturer standards. You won’t have to be a middleman in your claim being processed.
Clients prefer Starlink Autos because of our experience in car repair. In fact, we have 11 years of experience in collision repair. This means that not only do we know exactly what kind of information an insurance company wants in an auto body repair document, but also that we can facilitate a quick settlement for you.
Our advanced collision repair facility in Milton is equipped with all the latest technology.
Moreover, with each repair service that our team provides, a complete warranty is given. This adds to your satisfaction because our work will be ensured regardless of when your insurance claim is finalized.
How Starlink Auto Aids in Claiming Insurance
Having your car fixed with your insurance can be such a headache, but with Starlink Autos, all you have to do is leave the heavy lifting to us.
First, we provide you with a completely free estimate, which you can claim from your insurance provider. Everything will be noted in detail with pictures.
Then, we work with your insurance carrier to make sure your auto body repairs go through without a hitch. Even if your claims adjuster wants more information or wants to come out to look at the damage personally, we’ll make all this happen without you having to make a bunch of phone calls.
While working on your car, we keep you posted on the progress and address any additional claims in case new damages are observed. This is very common in car collision repairs, and we see to it that everything gets approved and fixed accordingly. Our objective is to bring your car back to its pre-accident state while getting you the most out of your insurance claims.
We can assist you in comprehending your deductible and out-of-pocket spending requirements. A common shock for our clients is learning that they can pick where they want to have their car fixed and are not bound by the preferences of their insurance carrier. At Starlink Autos, we make sure that your car is repaired properly, not just to meet your carrier’s requirements.
Final Thoughts
To make sense of whether car insurance covers auto body repair work, you don’t have to make things complicated. The important thing is to understand your type of coverage and have a reliable repair shop with a good working relationship with your insurance provider. With this, you can have protection in case you get into an accident, without worrying about repair expenses.
Waiting until a problem arises before learning about your insurance coverage can be a costly mistake. Take a look at your policy now and make sure you understand your level of protection. And when you need sound car repair with a commitment to excellence and an insurance claim process made simple, turn to Starlink Autos.
Frequently Asked Questions
- How much does auto body repair insurance in Canada cost?
Generally, you can expect your car insurance to range from $100 to $200 per month, but the actual cost can be higher or lower based on the province you live in, your driving history, and the type of coverage selected
- Is auto body repair insurance compulsory in Canada?
It is illegal to drive your car without insurance. Not only that, getting car insurance only protects you from the damage that happens to your asset and protects you as an owner/driver.
- Will car insurance cover all kinds of repairs?
No, standard car insurance will just cover damages for accidents, collisions, theft, vandalism, and specific incidents described in your insurance policy. Normal wear and tear, maintenance, and mechanical failures aren’t covered, but you can get extra mechanical breakdown insurance.
- How is collision insurance different from comprehensive insurance?
Collision damage pays if your car strikes another car or an object. Comprehensive damage pays if your car is damaged in a non-collision incident, such as theft, weather, vandalism, or hitting an animal.
- Will my insurance premiums go up if I make a claim for repairs?
That will depend on your insurance provider, your driving record, and which party is at fault in the crash. Being at fault will impact your premiums more. Some insurance firms have a claims forgiveness feature where your first claim will not affect your premiums.
