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As a driver in Texas, you probably carry at least the minimum auto liability insurance or more if you choose. When you establish your policy, an agent reviews the details with you. Don’t wait until you are researching auto body repair San Antonio residents recommend to understand what the policy covers.

There are several different types of coverage, but two of the most common forms that pay for repairs are collision and comprehensive. What caused the accident will normally determine which type of coverage should be used at a San Antonio auto body shop.

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Collision Coverage

Liability insurance only covers damage and injuries for other people. In Texas, 30/60/25 coverage means basic coverage. If your vehicle has damage, the auto body repair will be an out-of-pocket expense. You may also be responsible for any costs beyond what your policy covers.

If you carry more than liability, check your policy to see the amount of coverage you have for damage. When an insurance company totals a car, the insurance company pays actual cash value of the vehicle up to the dollar limits on your policy.

Comprehensive Coverage for Auto Body Repair

Comprehensive coverage takes care of the repair or replacements costs of your car for anything other than a collision. Depending on the policy, it could include the cost for a rental car during collision repair.

This type of coverage can be helpful if you have hail damage, a tree falls on your car, or if you hit a deer. The amount of what will be covered in repairs depends on the type of policy.

Coverage can vary and it depends on what you want to pay. If you don’t want to be out-of-pocket a lot of money for repairs after an accident, discuss this with your agent to make sure you have the coverage you want.

At ProCare Automotive & Collision, auto body repair San Antonio residents recommend, our team works with a variety of insurance companies. We can answer any questions about repair costs and coverage. Give us a call for a free estimate and we will guide you through the repair process, including an explanation of what your policy will cover.

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