Different Types Of Car Repair Services

Whether we like it or not, chances are that we’ll have to take in our auto for car repair at one point or another. It may be for simple maintenance and service such as an oil change. In the case of a collision or accident, damages may be more extensive and require more care including dent removal and auto body work. Let’s take a look at some of the most common types of car repair.

Auto Body Repair can restore a vehicle to its original condition after a serious collision. A certified technician performing auto body repair may perform simple tasks such as replace the bumper or fix minor dents. In case of a serious accident additional work may include straightening the frame.

Daily usage can give a worn appearance even on the most well-maintained cars. Detailing involves a very thorough cleaning inside out. The technician may use polish in order to smooth out tiny scratches and wax is applied to achieve a glassy showroom quality shine. Additional procedures may involve cleaning the engine, shampooing the carpets and even neutralizing unpleasant odors. It’s a good idea to detail a car before you decide to sell a vehicle because it boosts up the car’s value.

Many people also find themselves having to replace auto glass at one time or another. It is illegal to drive with a cracked or broken windshield due to the fact that it obstructs the view of the driver. It is actually very dangerous to drive with a cracked windshield; any force to the windshield can cause it to break. It’s important to have auto glass replaced as soon as possible if there is any damage in order to avoid bodily harm.

No one likes unsightly dings or dents on their car. “Paintless Dent Removal” is a process where tools are used to repair the dent. This technique can also be used to fix repair caused by hail damage. This process only works on minor dents.

Always ask for an estimate before you have any services performed on your automobile. In some cases you may opt to purchase your own parts online since that may be cheaper than purchasing it through the repair shop. It is a good idea to make sure that all the technicians are properly certified. Car repair and auto body services enable us to keep our cars running smoothly and looking great for many years to come. Taking good care of your auto also assures that you will be able to fetch a good price once you decide to sell it.

Car Repair – Drive To The Best Mechanic To Receive Topnotch Maintenance

When we are in an accident or if our vehicles start making funny sounds, it can be a worrisome time. Not everyone knows of a reliable auto shop to go to and we all would rather not have to pay mechanic bills. Every now and then, some kind of car repair is necessary, so it is best to know beforehand who to go to. Keep reading to find out how to locate the best auto garage near you.

In the event that you are in need of muffler, brake, tire work, or just an oil change, make sure to take your car to the best workers in the business. There is nothing quite like knowing exactly who to take your car to, being fully confident that you will receive quality service and great estimates. Start looking today, so as to be sure this is what you can rely on in a time of need.

Few personal belongings are as important in our lives as our automobiles. This is why knowing of a great and affordable car repair mechanic is such a big deal. Plenty of us may be paranoid of being overcharged or of receiving less than desirable repairs when we take our cars to a servicing garage, but this is not how it has to be. All you have to do is find out about the shops nearby by asking some routine questions.

It is great to ask about standards in regards to mechanic training and qualifications. If you need to know, inquire about how well experienced the workers at a particular location are. In addition, you may want to ask who specifically will be attending to your vehicle. This is important in case your car has certain problems that need explaining. With any type of repair job, it helps to assist the person who will be working for you. Help them to help you best.

Furthermore, find out about the shop you are looking into seeking help form. How long have they been in business and what is their reputation? These questions can be answered by people you trust, so ask friends and family members if they have sought help from a certain business you have in mind. Knowing a little bit about a particular place can end up saving you a lot when the time comes for assistance.

It is impossible to know when a major accident will occur or when/if your automobile might break down, so know who to go to before you are in a bind. This can cut down on the stress of having to look for certified, quality repairs later on. We need our cars up and running as soon as possible, so take care of business ahead of time.

Great mechanics are waiting to help you offer discounts for routine services, so look around. Plenty of auto shops are happy to take care of regular tune up jobs or even tough engine work. No matter what services you need, it saves to know where to get them.

Rental Car Insurance – Should You Buy Rental Car Insurance?

Your flight landed an hour late. Now, you’ll be late for that important meeting. You can already imagine your customers sitting around a conference table waiting impatiently. You step to the front of the line at the car rental counter, with six other exasperated businessmen behind you who are late for their meetings, too. The rental agent plunks the contract down in front of you, and circles all the places on the contract that you’re supposed to sign or initial. Then she stares at you, as if to say, “Hurry up!” The print is small. The sentences are written in Legalese. You’d like to stop and read the fine print, but you can feel the people behind you getting more upset. You thought you were renting a car for $35.00 per day. With all the add-ons, the cost is now $70.00 per day.

Oh…the pressure…the panic! You cave in, signing and leaving your initials in all the right places. You take your contract and keys and head for your car, inwardly feeling like a failure and mad because you didn’t stand up for yourself.

If the preceding story is too familiar, there’s hope just ahead!

It doesn’t matter if you’re a regular car renter or just an occasional traveler who needs to rent a car, you’ll likely face these kinds of choices at the car rental counter. Some folks just decline everything. Some folks purchase all of the coverage offered.

But…are you wasting bunches of money on unneeded coverage or leaving yourself dangerously under insured? Before leaving on your trip, I recommend that you make two phone calls – one to your auto insurance company and another to the credit card company you’ll be using to pay for the rental car. You’ll need to find out if you have automatic coverage for your car rental from each company, and the various terms and conditions for that automatic coverage.

FIRST…CALL YOUR CAR INSURANCE COMPANY

In your personal or business auto insurance policy, there is coverage for damage to your auto. The Insuring Agreement in most policies says: ” We will pay for direct and accidental loss to ‘your covered auto’ or any ‘non-owned auto,’ including their equipment, minus any applicable deductible shown in the Declarations.”

Another phrase is VERY IMPORTANT!

“If there is a loss to a ‘non-owned auto’, we will provide the broadest coverage applicable to any ‘covered auto’ in the Declarations.” Here’s an example of how this would work for you:

You have two vehicles. One is a 2006 Toyota Camry with full coverage. It’s worth $24,000. The other is a 1980 Chevy S-10 pickup worth $1,500 that you only use for trips back and forth to the local home improvement store, and you only have liability coverage on the pickup. If you rented a car and it got damaged, your insurance company would provide the full coverage for the rental car, which is the broadest coverage in your policy.

If you normally drive an older car with only liability insurance on it, there will not be any property damage insurance extended to the rental car. In this instance, you should either use the credit card’s Collision Damage Waiver or buy the CDW from the car rental company.

Ask your insurance company representative how much coverage you have on your car. Ask if there is a limit of value on your Collision coverage. If there is a limit, and you drive a 7 year old Ford Taurus that’s worth $5,500…and you rent a new Cadillac Escalade that’s worth $55,000…will your personal auto insurance cover the damage to the higher valued vehicle? REALLY important to know this…you could owe the rental car company tens of thousands of dollars to repair or replace a high value rental vehicle if you’re not properly covered.

Find out the limits of liability. Make sure that your limits are higher than the minimum limits required by your state. Limits above $100,000 per person/$300,000 per accident for Bodily Injury, and $100,000 for Property Damage are very inexpensive. Make sure that you limits are no less than that amount…higher would be better.

Find out what collision and comprehensive deductibles you have on your car, because those deductibles will apply when you rent a car and use your own insurance for rental coverage.

Make sure that you have Uninsured Motorist and Underinsured Motorist coverage on your personal or business policy. If you are in an accident with an uninsured motorist, and the accident is his fault, recovery will be practically impossible. Likewise with a motorist who is underinsured. Best to have your own coverage protection.

Q: What if I don’t own a car, and don’t have car insurance?

A: If you do not own a car, you won’t have an automobile policy. You should buy the rental car coverage, both the CDW and liability coverage. Or, you should use your credit card’s CDW and buy the optional liability coverage from the rental car company. If you’re a frequent car renter, however, you can still buy a “non-owner” liability policy. This solution might save you money over the coverage available through the car rental company.

Q: What happens if my personal property inside the car gets damaged or stolen?

A: Most Collision Damage Waivers provide coverage for theft of the vehicle, but not any personal property stolen or damaged inside the vehicle. Check your homeowners or renter’s insurance policy because you may have coverage through them for your stolen or damaged personal property. A deductible will likely apply.

Here’s a super important tip! Some people think that, if they purchased the Collision Damage Waiver or used the CDW from their credit card, and the rental car got damaged, they don’t have to report it to their own insurance company. They are hoping that because the CDW covers the damage, it won’t affect their own insurance policy….and they won’t get a rate increase. WRONG!!! Don’t be misled into thinking that you can get away without reporting your accident to your own insurance company. In most accidents, more things get damaged than just the rental car. Even if your accident is just you running into a guardrail, whoever owns that guardrail is going to look to you to pay for the damages. Also, other people might have been injured. You could have a large liability exposure, and you might need your personal or business auto policy to cover your loss. Your insurance policy includes legal representation if someone files a lawsuit against you for damages.

If you’re going to use your own personal or business auto coverage, decline the Collision Damage Waiver on the car rental contract.

NEXT…CALL THE CREDIT CARD COMPANY

Ask your credit card company about the benefits they offer. Each company is different, and each level of credit is different. For example, a regular card might have different insurance benefits than a gold or platinum card. Ask the card company to send you your benefits IN WRITING. If you’re in a hurry, ask them to fax or email it to you.

Some cards may only cover collision and comprehensive, and leave you uninsured for liability. Some cards only offer coverage when you rent from a certain rental company. Some restrict the number of days of coverage. Some cards don’t automatically cover you and require you to sign up for a particular program. Still others limit the kinds of vehicles you can rent. (see below for some exclusions)

If you have more than one credit card, call each one and find out the card with the best benefits. Then, use that credit card to pay for your rental car, and use their benefits.

If you’re planning on using the credit card company’s coverage, you must decline the Collision Damage Waiver shown in the rental car contract. Otherwise, the credit card company’s coverage will become excess to the coverage in the rental car company’s Collision Damage Waiver. “Excess” means that any other available coverage would pay first, and the credit card coverage would pay any remaining portion of the loss.

Credit card Collision Damage Waivers cover:

o vehicle damage

o theft

o loss of use

o towing

See your credit card company’s written CDW for all the details.

Collision Damage Waivers exclude:

o Injury to anyone or damage to anything inside or outside the rental vehicle.

o Loss or theft of personal belongings.

o Liability

o Loss due to intentional acts, like DUI, drug use or other illegal activities.

o Off-road operations. If you rent an SUV and take it off-road, no coverage.

o Rental periods of more than 15 days within your country of residence, or more than 31 days in a foreign country.

o Vehicles that do not meet the definition of “covered vehicles,” such as:

– expensive, exotic and antique vehicles

– certain vans

– pickup trucks

– other trucks

– motorcycles and ATVs

See your credit card company’s written CDW for all the details.

CAR RENTAL INSURANCE

Most major rental car companies offer these four coverages.

o Collision Damage Waiver (CDW). This covers a rental vehicle damaged by an accident, vandalism, theft or loss of use. Costs range between $9 and $20 per day.

The most misunderstood part of car rental coverage is the Collision Damage Waiver, or sometimes called the “Auto Rental CDW.”

Remember…the car rental CDW provided by the car rental company is not insurance. Insurance is regulated by each state. Collision Damage coverage is a waiver. The car rental companies agree to not hold the renter responsible if the rental car is damaged or stolen, and they guarantee that they will pay for certain damages listed in their coverage agreement.

In many cases, the waiver also provides “loss of use” coverage, which pays the rental company if the damaged or stolen car cannot be rented. In most states, car insurance policies don’t cover loss of use. So, if you choose not to buy the Collision Damage Waiver, you might have a loss of use exposure if the rental car gets damaged. But if you’re using your credit card’s automatic coverage, it will pay for that loss of use.

Some car rental companies will require you to pay for repairs or replacement costs out of your own pocket up front, and then you have to get reimbursed by your own insurance company. Being forced to come up with thousands of dollars in immediate cash could ruin a vacation. You’re protected from these up-front costs by the CDW. Read your rental contract CAREFULLY!

o Personal Effects Coverage. This provides coverage for theft or damage to personal items inside the rental car. Costs range between $2 and $5 per day.

o Supplemental Liability Insurance. This provides liability coverage up to $1 million. Costs range between $7 and $9 per day.

o Personal Accident Insurance. This covers you and passengers in your vehicle for medical expenses. If you already have personal health policies or travel policies, it won’t be necessary to buy this optional coverage. It usually costs between $3 and $5 per day.

Corporate Travelers. If you’re a frequent traveler for business, do one other thing. Check with your company to find out if they have a corporate travel policy. If they do, find out what that policy covers, and then simply don’t buy duplicate coverage on the rental car contract.

Car rental outside your country of residence. Some insurers exclude coverage if you’re driving in a foreign country. Some will cover you, but only a limited time. Some credit card companies cover car rentals outside your country of residence. Check with your insurance company and credit card company for specific details, and GET IT IN WRITING!

Q: Can I allow others to drive my rental car?

A: If you’re using your personal or business auto coverage to cover your rental car, the chances are all “authorized drivers” are covered. An “authorized driver” is anyone listed on the policy. However, here’s a BIG GOTCHA! If your teenaged son drives your rental car and he allows his girlfriend to drive the car, you’re covered. If the girlfriend allows another person to drive, NO COVERAGE!

Some car rental companies have exclusions for young drivers. Some charge extra for young drivers. Find out this information BEFORE you arrive at the car rental counter.

Q: How do I file a claim if I’ve had an accident?

A: When you experience the damage or theft, immediately get a camera and take lots of photos of the damage, including any other autos or property that was damaged. Keep those photos! Notify the rental company IMMEDIATELY of the damage.

Report the damage to your own auto insurance company if you have personal or business coverage.

When you return the vehicle to the rental company immediately ask for:

o A copy of the accident report and any claim documents, which should show the amount you’re responsible to pay, as well as any amounts that have been paid toward the claim.

o A copy of the initial and final auto rental agreements.

o A copy of the repair estimate or the paid repair invoice.

o A police report, if one exists.

So the bottom line is this:

If you have personal auto insurance, commercial auto insurance or corporate travel coverage, it is usually not necessary to pay for the Collision Damage Waiver or extra coverages offered to you by the rental car contract. Your situation may vary.

Get everything in writing, and make an informed decision. Then enjoy your car rental experience!

Michigan Mini Tort Claims – Recovering Vehicle Damage Costs in a Car Accident

What is Mini-Tort?

Michigan’s no-fault laws do not require collision coverage. That is where the limited property damage liability or mini-tort provision comes into play. Limited property damage liability, known as the mini-tort exception allows for Michigan accident victims to recover up to $500 of their vehicle repair costs under certain circumstances. The purpose is to compensate a person involved in a car accident that was not at-fault for out-of-pocket expenses resulting from the collision. Michigan mini tort law is premised upon people being free to purchase their own collision coverage. If an individual has existing collision coverage, the full vehicle repair costs from the accident will be paid from that policy. However, even if someone has collision coverage, he can still make a mini tort claim for incidental, out-of-pocket expenses such as a deductible. There are varying degrees of collision insurance, but generally speaking it covers the cost of repairs to the driver’s own vehicle.

How do you qualify and what can be collected?
If you are without collision coverage on your car, or your coverage is limited, and you are less than 50 percent at fault for the accident, you can recoup some of your out-of-pocket costs to fix your car via the mini-tort. How much you can recover depends on how much fault you bear. For example, let’s say the damage to your car amounts to $100 and the other driver is deemed 75 percent at fault for the accident. Then he or she would pay $75. These cases are normally handled in a small claims court, but either party involved in the car crash may ask to have the case moved up to a higher jurisdiction.

How do you file a Mini-Tort claim?
To recover vehicle damage costs, you can write a letter to the insurance company of the person who caused the accident, and request the money. Include the police report proving the person who caused the accident was at-fault; a declaration sheet from your own insurance company showing your coverage; and an estimate of vehicle repairs and/or photos including the license plate. You have three years from the date of the car accident to file a mini tort lawsuit or collect your mini tort claim. After three years, your claim will be time-barred and you will be unable to collect your mini tort claim under Michigan law.

Car Window Repair Or Replacement At Your Fingertips

Even for the safest and most observant drivers accidents happen. A cracked or broken windshield can happen in traffic or in front of your home. There are precautions that can be taken but even with all those there is still a probability that you will have the need of a car window repair or replacement eventually.

With all the big named and highly respected companies around that are experts in the field it will be no problem to find one who can recommend the best route to take for the repair job. They will often give a free estimate for you while you wait and often over the phone.

If you want to attempt to do the repair by yourself that is also an option you can explore. There are many places, auto recyclers and also glass manufacturers who will have the right part for you that you can pull yourself or they can pull it for you. If you choose this route it is highly recommended that you always wear gloves. Even with safety glass which is installed in most cars today there remains a possibility that it will shatter or shard leaving open a danger to you.

Some shops have mobile replacement trucks. They will receive your information and bring the parts to your home or office and do the job right there while you are at work or having dinner with family. The install takes only a short time and they guarantee their work. You will be required to let it set for at least an hour but after that you are free to go.

It is recommended to fix the break as soon as possible. When there is a broken window the entire structural integrity has been breached. Leaving it for too long can cause issues with the sealing technique that goes with the windows installation itself.

You will be in good hands with anyone you choose as long as you do the necessary research before you buy. No matter which way you go, getting the job done will take a load of stress off your mind.

Looking for the Car Insurance Estimate?

Car insurance estimate: How much do you need?

Every car buyer goes through a checklist before buying his or her brand new car. The most important aspect of the list is the auto insurance and the car insurance estimate. A car insurance acts as a protection for your car as a whole. Your insurance officer may offer you a varied range of auto insurances depending on the type of vehicle you own, the amount of coverage you need and the number of years you wish to have the protection for, in return of a yearly amount, known as the insurance premium.

When you incur a car accident, the cost of damages the car bears is covered by the car insurance you opt for, this, however, does not include any damage incurred above the overall auto insurance amount.The value of your auto insurance estimate is calculated by the IDV or the Insured Declared Value of your vehicle; the IDV is the maximum amount the insurance company is going to pay for the damages your car incurs. The amount of IDV roughly equals to the actual market price of the car you own or the showroom price of your car. The IDV thus is not a constant value and keeps changing periodically.Upon renewal of your car insurance after a year, the value of IDV will decrease because of the amount of depreciation charged on it after a year.

What are the damages covered by the car insurance?

The car insurance will not cover all the damages your car faces, during the life of the insurance. Coverages in the US are usually seen in a cluster of three numbers separated by a dash, for example, 20/50/30 or 100/500/100. The first two numbers are usually seen for medical coverage. For 100/500/100 the insurance company policy will pay $100,000 per person up to $500,000 combined for all people. The last number covers damages made to the property, that is any other vehicle or property you hit in an accident.

A comprehensive auto insurance plan will mainly cover the following types of damages:

  • Liability Coverage:

The coverage also commonly known as casualty insurance, mainly covers bodily injuries and property damages, that is damage to your car. The amount of insurance will, however, vary from one jurisdiction to the other. The insured is also allowed to increase the amount of the insurance coverage (before the loss), to cover any loss incurred during the accident.

If in an unfortunate circumstance, you hit a telephone pole with your car. In such a case, the liability coverage covers the expenses of the damage caused to the pole. It, however, does not cover any other expenses related to the damage being caused such as disruption of services claimed by the Telephone company.

A bodily coverage covers the insured from possible injury during the accident as well as covers him or her from any third party damage caused by accident. The coverage covers the court costs and damages the insured is being sued for.

  • Full Coverage

Full coverage covers both collision and comprehensive damages done to your vehicle. The collision coverage covers the vehicle involved in collisions, by paying out for the repair of the damage incurred or by paying out the cash value of the vehicle in case the vehicle is not repairable.

Comprehensive coverage covers the vehicle from damages not ordinarily considered as collision damages. The damages covered by this coverage are damage due to theft, vandalism or impact with animals. Additionally, a lot of insurance companies also include ‘Act of God’ damages that is any damage caused by event or events caused to factors that are beyond human control, such as cyclones, tornado, tsunami etc.

Apart from the main coverages mentioned above, insurance companies in the US also provide the following coverages:

  • Damages done by uninsured/underinsured motorist (UM/UIM)
  • Loss of use
  • GAP coverages.
  • Lease/Loan Payoff.
  • Emergency Road Service Coverage.
  • Mechanical Breakdown Coverage
  • Custom Parts and Equipment Coverage.

How can you calculate a car insurance estimate?

You can follow these simple steps, to correctly get your car insurance estimate:

  • Before buying a auto, narrow down on your choices.
  • Determine the amount of coverage you’d ideally be needing. If you are buying a new car, you should go for insurance that covers collision and comprehensive damages as well. This is however not mandatory in case of a used auto.
  • Compare insurance quotes for your vehicle. Different companies will have different insurance costs for your vehicle depending on the type and market price of the model. Comparing the quotes will help you narrow down to the best insurance for your auto.
  • Make the final choice, based on the comparison chart.

What should your ideal car insurance estimate be?

There are a lot of factors that affect your car insurance estimate. Ideally, you should choose a plan and amount, which covers most of the possible damage that your auto may incur in the lifetime. The amount of insurance you chose typically should be higher than the actual cost of your overall auto.

The ultimate car insurance estimate will ultimately depend on your own choices and individual situation. It is always advisable to look at a wide range of options and companies offering auto insurance after calculating the car insurance estimate. Comparing insurance quotes, and what they cover with each other will ensure you get the most out of your auto insurance.

Seven Tips For Finding Excellent Car Service

The best car service is preventative, not patchwork. The last thing car owners need nowadays, with increasingly busy schedules, is frequent trips to the mechanic. It’s especially frustrating with easily fixed or recurring problems. Here are some tips to avoid breaking the bank the next time your vehicle breaks down.

Check Out Reviews First

With the spread of customer reviews on the internet, it’s quite easy for a consumer to find personal accounts of a business with a quick search. On occasion, reviews will be staged or not representative of the service, but a perusal of a range of reviews may give you a reasonable expectation of what to expect. An old fashioned review from a trusted friend – especially a car lover – never hurts, either. You can’t put a price on experience.

Shop Around

Most mechanics will offer free estimates. It helps to get the estimate for your car service on paper as proof. This document can also be used as leverage with other mechanics. Sometimes the cheapness of the price can suggest poor workmanship, but you certainly don’t want to be swindled.

Ask To See A Certification

ASE is the most common certification, and a trustworthy business should have no issue presenting you with such certification. This will establish a baseline of experience and knowledge. A shop that possesses an American Automotive Association rating is a good sign too, as it guarantees that they have been pre-screened by an objective source.

Don’t Be Afraid to Ask Questions, Even If You’re a Novice

Beyond a price estimation, it is very helpful to ask questions that you may consider basic. Such as, which parts will need to be replaced? How long will the work in question take to complete? Can I see the problem area of the car? Even more intensive questions about the process of fixing the vehicle should not fluster a reliable mechanic. These questions will make you feel comfortable with the car service and prove to the mechanic that you take your car’s care serious.

Go With Your Instinct

This tip is harder to pin down, and will mean different things to different people, but it remains relevant. Simple things, such as the cleanliness of the shop, may be symbolic of the overall service. Furthermore, if a mechanic is giving vague answers or treating customers in a hostile manner, it’s probably a clear sign to get out while you can. Getting a car fixed is rarely a pleasant experience, so there’s no need to add extra stress to the process.

Find a Location Near Your Home

This is especially important if you don’t have a friend or family member to follow you to the mechanic and drive you home. Finding a route home or to work via public transportation may be pivotal, depending on how long the car will be out of commission.

Warranties and Specialists

This tip will mainly pertain to people whose cars need to be fixed at a dealership. It also applies to those who own a car that has to have specialty parts replaced. Do research and determine whether a mechanic has expertise in your particular make and model. Additionally, an honorable mechanic will supply warranties on new parts. Make sure to establish this warranty before they get to work on your car.

Totaled Car or Not – 5 Tips so Your Carrier Declares a Total Loss

Your totaled car is sitting in the backyard when you get a

telephone call from your insurance adjuster. They will fix your car! In many

occasions this is good news, but when your car is nearly destroyed, and the

insurance company wants to patch it together and give it back to you, then

you’ve got a problem.

Think about it. The car will never be the same. If you want

to trade it in or sell it, you will probably have to take a substantial

reduction in price to be able to get rid of it. You also need to consider the

safety aspect of the car. Will your car ever be as safe as it was before the

impact?

In most accidents, cars can be fixed with no major

problems, but when you have a totaled car (or you are almost there) and the

insurance company will repair it and return it to you, you can be faced with an

uphill battle.

Insurance adjusters decide if you have a totaled car or a

fixable car. They need to first determine the value of the car and then

determine if the repair estimate is less than 70, 80, or even 90% of the car’s

value. So how do you protect yourself? Here are five simple tips.

Tip # 1: Ask for the repair estimate. Getting the

repair estimate will show you what the insurance company thinks is wrong with

your car. Review the estimate. Make sure the car will be painted and that all

the necessary parts to fix it are accounted for. If you do not know mechanics

that well, take that estimate to another shop and ask them to review it. You

will be surprised when other shops will tell you that your car should not be

repaired.

Tip # 2: Make sure you have the insurance company

account for all the cost associated with fixing the car before they start

working in your car. Have them account for all the parts and the shipping cost.

Make sure that the parts they are buying are actually in inventory. In many

cases, insurance adjusters price a part, but cannot find it. This will make you

wait longer and they would have to pay for more rental.

Tip # 3: Ask for a “tear down” so you know that

there is not a totaled car but a car that can be properly fixed. When insurance

adjusters and body shops write estimates, the do not get under the damaged

parts. They only look and estimate the damage that is visible. A tear down is

the process of taking off all the damage parts and looking to see if the parts

below are also damaged. More often than not, hidden damage will appear, and this

will make the estimate of damages higher and taking you closer to a totaled car.

Insurance companies do not want to pay for this tear down.

But if you insist, they will pay for it. This is a good idea anyway for two

reasons. The tear down will most likely than not increase the repair estimate.

You will also know if the integrity of the frame and chassis were compromised in

the impact.

There is no question that the body shop can put the car

back together. The question is if a fixed totaled car will be safe to be on the

road. Make sure some one looks at the mechanical and structural integrity of the

car.

Tip # 4: Use the rental expense to your advantage.

If your totaled car is going to get repaired, then it is likely that it will

take 20 to 30 days before your vehicle again. That is only counting body work

and paint and that all parts are on hand at the time the mechanics start

working. It will take longer if you have mechanical problems.

The insurance company will be looking at a rental bill that

could be over $1,000, depending on the limits of your policy. We have seen

rental bills of $2,000. If you have a totaled car, then the insurance company

will only have to pay up to three days of rental (sometime less, depending on

your state). They will be saving significantly if they do declare a total loss.

Tip # 5: Research your state law for

diminished or diminution of value claims. If you are making a claim against

your own insurance company, some states will allow you to ask for the difference

between what the car was worth before the accident, and what it worth after it

is repaired. Many states do not allow for first party claims like this one.

However, the restrictions only apply to first party claims. If you are making

this claim against the insurance company of the person that hit you, then the

claim will be allowed. Also, if you are making a uninsured property damage claim

against your own carrier. The claim will be allowed.

Click here for more tips on how to handle a totaled car claim.