When are your car repairs covered by car insurance?
Have you recently been involved in a motor vehicle accident? Does your car require repairs? If so, you might be wondering if the damage will be covered by insurance. We are Gerry Lane Cadillac, and we would be happy to help you get your car fixed. At the same time, you need to think about the financial ramifications of the accident, so there are a few important points to keep in mind regarding car insurance.
The Accident Was Not Your Fault
First, if the accident was not your fault, then you should not have to worry about having to cover the repairs on your own. By law, everyone is required to have at least liability-only insurance coverage to legally operate a motor vehicle on the road. Therefore, the insurance carried by the other driver should be enough to cover the cost of your repairs.
If the other driver does not have car insurance, he or she has committed a crime. You may have to call your insurance company to see if they can cover the cost of the repairs. Then, they would have to file a lawsuit against the other driver to recoup the money that they have lost. You should not have to wait months or years to get your car fixed, even if the other driver does not have car insurance.
Liability Only
If the accident was your fault, then the circumstances change. Your coverage depends on the type of insurance policy you have. If you have a liability only insurance policy, that means that your insurance company will pay to fix the other person's car. Unfortunately, this means that you do not have enough coverage to fix your car. Therefore, you would have to pay for your car repairs out-of-pocket. As a result, it is better for you to carry a higher level of insurance if you can afford it. A liability-only insurance policy at the cheapest one you can get, but it does not provide you with any protection if you are blamed for a car accident.
Collision Coverage
One of the most popular types of insurance policies is called collision coverage. Collision coverage means that if you are involved in a motor vehicle accident that is ultimately your fault, your insurance company will pay not only for the other person's car but also your car. Even if you are involved in a single-car accident, a collision coverage insurance policy should pay for the cost of your repairs. You should always take a look at the details of your insurance policy to make sure you understand how much coverage you have. Typically, this is a policy that has a financial limit to it, so you don't want to run out of money before the cost of your repairs has been covered.
Comprehensive Coverage
Finally, the highest level of insurance protection is called comprehensive coverage. It is also frequently called Act of God coverage. This means that if your car is damaged outside of a collision, your insurance
policy should still protect it. For example, if your car catches fire, this policy should cover the damage. If your car is broken into and damaged, the policy should cover the damage. If your car is picked up and deposited in the next county due to a hurricane or tornado, this policy should pay to fix it.
The only thing that this policy does not cover is intentional damage. If you have questions about whether you need comprehensive coverage, you can reach out to an insurance agent who can help you. Every policy is a bit different, so you need to understand exactly what is covered and what is not.
Call Gerry Lane Cadillac for More Information
Ultimately, the prospect of getting your car repaired through insurance is one that can be a bit complicated. That is why you need to work with an expert who can help you. You should definitely reach out to your insurance agent for clarification, and make sure you schedule an appointment with a body shop that can handle all of your needs. We are Gerry Lane Cadillac, and it would be our pleasure to assist you. Contact us today to schedule an appointment with a member of our team.
First, if the accident was not your fault, then you should not have to worry about having to cover the repairs on your own. By law, everyone is required to have at least liability-only insurance coverage to legally operate a motor vehicle on the road. Therefore, the insurance carried by the other driver should be enough to cover the cost of your repairs.
If the other driver does not have car insurance, he or she has committed a crime. You may have to call your insurance company to see if they can cover the cost of the repairs. Then, they would have to file a lawsuit against the other driver to recoup the money that they have lost. You should not have to wait months or years to get your car fixed, even if the other driver does not have car insurance.
Liability Only
If the accident was your fault, then the circumstances change. Your coverage depends on the type of insurance policy you have. If you have a liability only insurance policy, that means that your insurance company will pay to fix the other person's car. Unfortunately, this means that you do not have enough coverage to fix your car. Therefore, you would have to pay for your car repairs out-of-pocket. As a result, it is better for you to carry a higher level of insurance if you can afford it. A liability-only insurance policy at the cheapest one you can get, but it does not provide you with any protection if you are blamed for a car accident.
Collision Coverage
One of the most popular types of insurance policies is called collision coverage. Collision coverage means that if you are involved in a motor vehicle accident that is ultimately your fault, your insurance company will pay not only for the other person's car but also your car. Even if you are involved in a single-car accident, a collision coverage insurance policy should pay for the cost of your repairs. You should always take a look at the details of your insurance policy to make sure you understand how much coverage you have. Typically, this is a policy that has a financial limit to it, so you don't want to run out of money before the cost of your repairs has been covered.
Comprehensive Coverage
Finally, the highest level of insurance protection is called comprehensive coverage. It is also frequently called Act of God coverage. This means that if your car is damaged outside of a collision, your insurance
policy should still protect it. For example, if your car catches fire, this policy should cover the damage. If your car is broken into and damaged, the policy should cover the damage. If your car is picked up and deposited in the next county due to a hurricane or tornado, this policy should pay to fix it.
The only thing that this policy does not cover is intentional damage. If you have questions about whether you need comprehensive coverage, you can reach out to an insurance agent who can help you. Every policy is a bit different, so you need to understand exactly what is covered and what is not.
Call Gerry Lane Cadillac for More Information
Ultimately, the prospect of getting your car repaired through insurance is one that can be a bit complicated. That is why you need to work with an expert who can help you. You should definitely reach out to your insurance agent for clarification, and make sure you schedule an appointment with a body shop that can handle all of your needs. We are Gerry Lane Cadillac, and it would be our pleasure to assist you. Contact us today to schedule an appointment with a member of our team.
Shopping Tools
Gerry Lane Cadillac
10945 REIGER ROAD
BATON ROUGE
LA
70809-4546
US
Hours Of Operation
Sales
- Monday
- Tuesday
- Wednesday
- Thursday
- Friday
- Saturday
- Sunday
- Closed
Service
- Monday
- Tuesday
- Wednesday
- Thursday
- Friday
- Saturday
- Sunday
- Closed
Parts
- Monday
- Tuesday
- Wednesday
- Thursday
- Friday
- Saturday
- Sunday
- Closed