Not only are you legally required to have automotive insurance, but it is also in your best interest to get covered. As we all know, accidents can happen, no matter how defensively we drive. Rather than having to front the costs of vehicle damage, a good plan that includes auto body damage insurance can be the difference between spending thousands on repairs and paying next to nothing. Learn more about how to get covered or amend your current coverage with this review from Main Auto Body, Inc.
How Do I Get Insured?
Finding the right car insurance can require a bit of effort. There are several things to consider as you research different companies, including how much coverage you need. To get auto body damage insurance, there are a few different options to consider:
- Liability insurance: Pays for damages done to another motorist or vehicle if you were at fault
- Collision insurance: Covers damages made to your vehicle by another motorist
- Comprehensive insurance: Handles damages made to your vehicle either by another motorist when your car was parked or by natural events, like a falling tree or flash flood
- Uninsured/underinsured coverage: Pays for damages made to your vehicle by a motorist who is either uninsured or whose policy does not cover the cost of damages
Each of these plans provides some form of auto body damage insurance. By researching these types of policies and picking one that works for you, you are protecting your vehicle (and wallet) from potential damage, just like when you practice good driving habits.
Can I Change My Policy?
You can edit your preexisting policy to increase your auto body damage coverage at almost any time. Plus, making alterations to maximize your deductible and minimize your premium will save you money in the long run. However, be thoughtful while considering this balance, as a higher deductible means fronting more damage costs if you are involved in an accident.
Here are a few things you can’t change:
- You can’t decrease your liability coverage below the mandatory state minimum
- You can’t add physical auto damage coverage after you’ve been in an accident
It’s better to be safe than sorry when dealing with something as expensive as automobiles – make sure you are covered before a collision occurs to avoid the potential headache of the consequences.
What to Do After a Collision
If a collision does occur, there are a few things you may need to do to take full advantage of your coverage:
- Determine if you are in a “negligence” or “no-fault” state – Oregon is a negligence state
- Figure out whose fault the accident was
- Have your car inspected and get a damage estimate
- Make a claim by reporting the accident
- Consult with the repair specialists at Main Auto Body, Inc. with the insurer’s estimate
- Accept the insurer’s estimate or file a suit
The exact steps that you will need to take following a collision are highly dependent upon your situation. However, if you need to make a claim, the insurance claims specialists at Main Auto Body, Inc. are ready to help. Even if you are insured, it can be confusing to know what forms you need to fill out and how to file them. Main Auto Body, Inc.’s specialists ensure that you know exactly what to do and how to do it so that you can maximize your return. Call us today at one of our nine convenient locations to get started.