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Are Auto Repairs Covered by Insurance?

Navigating the complexities of auto insurance is as challenging as diagnosing engine issues. Auto repair technicians are familiar with the difficulties customers have, including getting repairs covered. Understanding the extent of auto insurance coverage helps drivers make informed decisions when they need repairs. Here, we’ll shed some light on insurance coverage for auto repair services.

Insurance Policy Types

Before getting into the specifics of coverage for auto repair Fort Worth TX, let’s review some categories of insurance.

  • Liability Coverage: It’s required in many states, but liability insurance doesn’t cover damage to your vehicle. Rather, it covers the cost of the other party’s medical bills and vehicle repairs after an at-fault accident.
  • Collision Coverage: This is the coverage most people envision when they wonder whether insurance pays for auto repairs. Collision insurance takes effect when a vehicle is damaged in a crash.
  • Comprehensive Coverage: This type of insurance pays for repairs not related to accidents, including those associated with floods, fires, falling trees, vandalism, and theft.
  • PIP: Many drivers are familiar with PIP or personal injury protection, which is legally required in some states. It covers your medical expenses and those of your passengers regardless of fault, but it does not cover repairs.
  • Uninsured Motorist Coverage: Although Texas requires drivers to have liability insurance, not everyone obeys the law. Uninsured motorist coverage takes effect when an at-fault driver lacks the insurance coverage to pay for your repairs.

When drivers know their insurance policies, they find it easier to budget for coverage and auto repairs. We do what it takes to help our customers get the repairs they need at affordable prices; call today!

When Are Repairs Covered?

In some cases, auto repairs are covered by insurance. These circumstances include:

  • Accidents. If you’re in an accident and have collision coverage, repairs are covered after the deductible is paid.
  • Acts of Nature. Storms and high winds can cause severe damage. If a storm damages your car, a comprehensive policy will pay for repairs.
  • Theft and Vandalism. If your car is broken into or vandalized, comprehensive insurance covers repairs.
  • Hit-and-run Accidents. If your car is hit and the other driver leaves the scene, uninsured motorist or collision coverage will help.
  • Collisions with Animals. Hitting an animal can cause significant damage to a vehicle. Thankfully, comprehensive coverage will take care of repairs in these cases.

Auto insurance coverage doesn’t apply in some scenarios. General wear and tear, mechanical breakdowns, routine maintenance, customizations, and intentional damage are not covered.

Affordable Auto Repair Services: Picking Up Where Insurance Leaves Off

Insurance claims and auto repairs are complex, but understanding your coverage will help you prepare for the unexpected. When your vehicle needs repairs, we’ll get you back on the road quickly.

While insurance policies cover a range of accidents and mishaps, prevention is the best strategy. Safe driving and regular auto maintenance go a long way in reducing the cost of repairs and the risk of an insurance claim.

For your auto maintenance and repair needs, whether routine or insurance-related, you can count on us to provide the fast, friendly, and fair service you deserve. Our expertise and our focus on customer satisfaction make us one of the area’s most trustworthy providers of auto repair services. Schedule an appointment online or call to book a service visit.

Bryan Cunningham is a writer who explores many different types of stories. He is skilled at creating interesting tales in various categories, making his work enjoyable for a wide range of readers.

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