Help with selecting a Westmont Auto Body Repair Shop

Your Vehicle Insurance Company and Auto Body Repairs in Westmont
If your vehicle is damaged due to a storm or an auto accident, you may be entitled to some help with the repairs. It all depends on the laws in your state and the type of vehicle insurance that you have.
It is important to notify your insurance company right away and file a claim. If a police report was filed, they will need that information too. Try to take some photos of the event that you can share for documentation as well. The type of coverage you have will determine what they can help you with.
Liability Insurance
If you have liability insurance, you aren’t going to get any help from your insurance provider for paying for your repairs. Liability means you only have coverage if you are at fault. The good part of this is that you don’t have a high premium. This is an option for vehicles that are paid off and that are older.
Full Coverage Insurance
If you have your vehicle financed, the carrier of the loan is going to mandate that you have full coverage insurance. This means that you are covered regardless of who is at fault. However, there are exceptions and you will have to get those specifics from your insurance company. With full coverage, you are more likely to get help if your vehicle is damaged due to you wrecking it, vandalism, or even an act of Mother Nature.
Other Party at Fault
Should another party be at fault for your vehicle needing Westmont auto body repairs, then their insurance should help to cover it. Most of the time, your own insurance company will help you through that process. They may approve the claim so that you get the funds for the repairs, and they will work it out with the agency for the other party.
Just about all insurance companies do have a deductible. If you were at fault, then you will need to pay that deductible. If the other party was at fault, then they will need to pay for that and not you. If that other party doesn’t have insurance, you may be held liable by your own agency for it. You will need to check your policy to find out what your deductible is.
Approved Auto Body Repair Shop in Westmont
Talk to your insurance agent before you take your vehicle to just any Westmont auto body repair shop. Most of them will require you to get a few estimates. They may have to approve the auto shop before you can get the work done to make sure they are licensed. Many of them will work directly with the auto body shop. This helps to save you time and frustration as many of us aren’t familiar with how insurance works behind the scenes.
They will approve the work order and then they will send payment directly to the Westmont auto body shop. If you are responsible for a deductible, you will have to pay that amount to the Westmont auto body shop before you can get your vehic