After a vehicle collision, it’s common to need Auto Body Repair in Johnson County. If the owner caused the accident and has collision coverage, the insurer will pay for repairs except for the deductible amount the policyholder had previously chosen. The insurer will only pay for repairs up to a certain percentage of the value of the vehicle, however. In addition, some insurance companies require multiple estimates, after which they only provide the amount for the least expensive estimate.
The vehicle owner has options in these circumstances. Consider what might happen if the insurer has decided the car is a total loss and the owner really wants to get the car fixed. Instead of exchanging the vehicle for the insurer’s replacement value, the owner may be able to have the insurer cover the percentage of the cost according to their guidelines. The owner will be responsible for the rest of the amount due.
Another type of automotive insurance that is relevant for auto body work is comprehensive coverage. This pays for auto body repair if the vehicle hits a deer or if it is dented during a hailstorm. Vandalism to the car also is covered by this type of insurance. As with collision coverage, a deductible is subtracted from the payment, and the insurer commonly pays only for the lowest estimate the owner obtains.
In regard to multiple estimates, the vehicle owner is not obligated to choose the garage with the lowest estimate. However, he or she will need to pay the amount beyond that low estimate if choosing a different garage for Auto Body Repair in Johnson County. Insurance companies typically pay the garage directly to prevent vehicle owners from pocketing the money and not bothering with repairs. In other words, if the owner decides on a shop such as Warrensburg Collision Repair Center, the garage will receive the money for the lowest estimate the owner obtained, even if their estimate is higher. Vehicle owners may not want to bring their car to the garage with the lowest estimate if they know that a different one does excellent work and uses better-quality parts.
