08 Jul FAQs About Filing an Insurance Claim for Car Repairs
When you are in a minor accident, it may seem like less of a hassle to just accept a dent or two and move on, but in some instances, this could cause you more trouble down the road. Keep reading to learn more about when you may need to file an insurance claim for those minor car repairs after an accident.
Can I do the repairs myself?
Being able to repair damage yourself depends on whether your car is paid off or still has a lien. Many lenders will insist you choose from a list of approved repair shops, so they know the work is certified.
What if I have a loan on my car?
Having a loan and still making payments means you are responsible for keeping the car in good condition, and that includes regular maintenance and repairs. You may need to contact your lender to find out where they want the vehicle repaired.
Do I have to file an accident claim?
When the damage to your vehicle is purely cosmetic, and you are trying to prevent premium increases or cannot afford out of pocket repairs, you may be able to avoid filing an accident claim. However, if there is another vehicle involved in the accident you may not have a choice. You may want input from your insurance agent.
When is repairing the car not worth it?
If your car is older, exceedingly unreliable, or repairing the car is costing you more than half of what your car is worth, it may be time to shop around and put that money you would use on repairs towards a newer, more reliable vehicle.
If you have had a minor accident, National Auto Collision Center in Tucson, AZ, is here to help. For more information on our repair services or to request an estimate, call our W. Grant Rd. location at (520) 623-4959 or send us a message here.