Tag: car accident
Most drivers carry at least a minimum liability car insurance policy, as is required by state law. But many aren’t well-versed on what their policy covers.
There are several different types of coverage, but three of the most common forms are liability, collision, and comprehensive. The cause of the accident typically determines which type of coverage should be used at your auto body shop.
Liability is what most states require drivers to have. It only covers damage and injuries only for other people.
In Texas, 30/60/25 coverage is the most basic requirement. It represents $30,000 for each injured person, up to a total of $60,000 per accident, and $25 for property repairs.
Beyond this, you’ll be responsible for the expenses out-of-pocket. You may also be responsible for any costs to the other drivers’ car or hospital bill beyond what your policy covers.
This is essentially any damage costs caused by a vehicle wreck. Even if it’s a single-car crash, like if you crashed into a median or a tree, collision coverage will go toward the repair cost.
This covers your own bills in an accident. Whereas liability is only for the other party involved, this coverage is specifically for you and your vehicle.
Comprehensive coverage takes care of car repair costs for anything other than a collision. Depending on the policy, it could include the cost for a rental car during your 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. Most comprehensive damage happens when your car is not in motion and you, the driver, have no control over the circumstances. The amount of what will be covered in repairs depends on the type of policy.
Check your policy to see the amount of coverage. 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.
When an insurance company determines a car to be totaled, the they will pay its cash value up to the dollar limits on your policy.
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.
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Technology changes just about everything. It provides safety features on cars and added conveniences. Your phone also helps you make informed decisions about what auto body shop to choose.
Your smartphone can now make your collision repair simpler. ProCare Collision offers a smartphone estimating tool that customers can use anywhere, and get a preliminary estimate without stepping into the shop.
Use your phone to get a collision repair estimate
When you have car damage and need repairs made quickly, this is a fast way to start the process. You can have the estimate tool texted to you from the ProCare Collision website.
To start, take photos of the damage, submit them through the tool, and receive an estimate via email within 24 hours. Then, you’ll have an idea of a baseline cost for your vehicle repair with ProCare.
Benefits of a smartphone estimating tool
This tool helps you get the repair process started right away. It can be done at any time of the day or night that is convenient to you. Once you have an idea of the cost and what it may take to repair the vehicle, you can begin working with the ProCare Collision team to have the repairs started.
Keep in mind that estimates provided from photos are only a preliminary estimate based on visible damage and that could change once a technician inspects the car more thoroughly. There could potentially be damage that isn’t visible to the eye, such as mechanical or to the car’s computer system.
For companies with fleet vehicles, using the Smartphone Estimating Tool can be beneficial so it doesn’t take vehicles or the employee away from work on the job.
ProCare launched the estimating tool to make the auto body repair process more efficient and hassle free. Use the tool to get your free estimate and we’ll get you back on the road.
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Not all parts are the same when it comes to car repair. There are OEM parts, original parts created by the manufacturer, and then there are aftermarket parts. Aftermarket parts are off-brand and have a wide variety of price and fit.
If you want quality and a warranty with parts, then OEM is a safe choice. Certified auto body shops will be likely to offer OEM parts with their repairs because they are proven to fit and work correctly.
Are OEM parts worth it?
OEM parts cost more than aftermarket because the vehicle manufacturer makes them. An OEM part will match perfectly with other parts on your car.. The cost is often twice as much as what you may pay for an aftermarket part.
Most OEM parts come with a one-year warranty from the manufacturer, should anything happen to the part.
Should I save money with aftermarket parts?
There is a greater selection of aftermarket parts, but this also means they come in variations and the odds of getting a poor quality part are greater.
However, some aftermarket parts are similar quality or even improved from the original OEM part. Doing your research on specific aftermarket parts can help you determine if there’s a better option out there. This can be time consuming, but for some, the offset cost is worth it.
Aftermarket parts may decrease the car’s value. If you lease a vehicle, you need to look into what it could cost you long-term. Additionally, most aftermarket parts do not offer a warranty, so be sure to ask about a warranty if you choose these parts.
When our certified technicians at ProCare Automotive and Collision, a San Antonio body shop, make repairs to a wrecked car, we believe in providing the highest quality collision repair and use OEM parts. Should you want aftermarket parts, we work to find the best part that works with your vehicle.
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Maintaining good quality tires on a vehicle is something car owners must do. Insufficient tread or air pressure leads to more than just a flat tire. In 2017, tire-related crashes resulted in 738 fatalities nationwide. While the number of tire-related crashes has dropped in the past decade, they can still happen and cause serious damage.
Proper tire maintenance is one of many steps car owners can take to prevent an accident.
Proper tire tread
The tread on tires can vary depending on the type of tire and the type of vehicle. You want enough tire tread to allow water on the road to go through the tread. This gives your car traction.
There is a quick test you can do to check your tread. Insert the penny in the tread with Lincoln’s head pointed down into the tread. If you see the top of Lincoln’s head, it’s time to replace the worn tires on your vehicle.
If you don’t have change, look for the tread wear indicator bars which are located on several areas of the tire.
Check the tire pressure
The tire pressure for every vehicle can vary but is typically between 30 and 35 psi. Make a habit of checking your tire pressure routinely and it is especially important to do this before you drive on slick roads.
While most newer vehicles are equipped with tire sensors, you do not want to always rely on that in case the sensors malfunction. Under-inflated and damaged tires are leading contributors to a blowout, which can result in a serious collision.
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You step out of your car, and you take a look at the damage to your vehicle. That’s the moment you know it’s more than a fender bender. You may ask yourself “Is my car totaled?”
It’s unlikely you’ll find out at the scene of a crash: The car’s value and body shop repair cost determines if it is repairable. It’s also important to know your insurance policy and the process to file a claim for repairs, which can make the process of repairs more affordable and/or timely.
What to do with a car totaled accident
The repair team will inspect the damage, complete the repair estimate, and compare it with the car’s current value. If the repair estimate is more than the current car value, the insurance will not qualify it for repair.
For example, a car with a value of $5,000 that needs $7,000 worth of repair will not qualify.
Check your insurance policy to know what you should expect with a vehicle that is not repairable. In most cases, the insurance company will issue you a check for the value of the car. If you do not agree with the amount, you can get quotes from used car dealers, view prices online, and note any additional or special features on your car. Show this documentation to the insurance company to dispute the amount.
Keeping a totaled vehicle
Cars hold sentimental value for many and some choose to repair a totaled vehicle.
Contact your insurance company as soon as possible. The insurance company will subtract the vehicle’s salvage value from the amount it planned to pay you. To drive the car again, you need a salvage title. Repairs are your responsibility.
If you want a totaled car fixed, find a body shop you trust to provide an accurate estimate to repair the vehicle.
At ProCare Automotive and Collision in San Antonio, we have experienced and trained technicians who know exactly what it will take to repair the vehicle back to a safe and drivable condition again.
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