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Working With Auto Insurance Claims
Dick Hannah Vancouver Auto Body Shop specialize in insurance claims. We will help you throughout the entire process of your claim. We know that a car collision catches everyone by surprise and the insurance claims process can be a bit confusing. We are here to help you and get your car back to pre-accident condition as soon as possible.
The three main types of auto insurance are liability insurance, collision insurance, and comprehensive insurance. Banks and lenders usually require all three types of insurance be carried before they will approve auto loans.
Auto Insurance Coverages
Liability Insurance
Pros: Liability insurance normally protects the insured against claims resulting from an accident caused by the operation of the insurer’s vehicle. Liability insurance also pays for the repair of the vehicle belonging to the motorist who is not at fault in the collision.
Cons: Liability insurance will not cover the cost of having the insurer’s vehicle repaired.
Collision Insurance
Pros: A coverage that helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object, such as a fence or a tree. If you’re leasing or financing your car, collision coverage is typically required by the lender.
Cons: Collision insurance requires the insured to pay a deductible usually $100+. To lower your premium payments on the policy, it would raise the deductible.
Comprehensive Insurance
Pros: Pays to repair your car if it’s damaged in any situation other than an accident. It includes coverage for non-collision events, like theft, vandalism, fire, falling objects and damage from animals.
Cons: Can be expensive and does not cover accidents or medical costs.
The Insurance Claims Process Summary
First, after your car crash you will need to give your insurance company information about the accident.
Secondly, many insurance companies will tell you or recommend where to take your car for collision repair but ultimately you decided what is best for you, not your insurance company. Why do we say this? You can take your car to any auto body shop you want. By law, the choice is yours.
You Pick Your Collision Repair Shop
Bring your car to our five-star rated shop, call your insurance company and let them know that your vehicle is at our auto body shop. Your insurance company will come to our shop to assess and review the damage, they will determine if your car is repairable and once approved the repair will begin.
At Dick Hannah, family, integrity, respect, and purpose matter.