When the unthinkable happens, when your vehicle sustains damage either through a major weather event, falling branches, road debris being kicked up, parking lot mishaps or collision with another vehicle, there are things you should know.
In the Ithaca area, Central NY collision repair is a phone call away. Wink’s Body Shop in Ithaca can help you maneuver the intricacies of insurance claims and body repairs on your car or truck. We also want to take some time to help you be prepared in the case of an unexpected event.
The Importance of Insuring Your Vehicle
As we know, our State of New York requires us to carry insurance. Liability insurance and medical payments coverage are paramount. But what about Comprehensive and Collision coverage. If you have a vehicle financed through an institution, you are required to carry Comprehensive and Collision coverage as a protection to the lender. This makes perfect sense as they have an ownership status in the vehicle until you pay it off.
For vehicles that have been paid off and you carry the clean title, you might decide to drop the expense of physical damage coverage on your car or truck. Although this can save you money in the short term, the risk you are taking can be very expensive.
Collision repair in Ithaca and the Central NY area can be a hard hit to your wallet. Although some dents, dings, paint scratches and windshield damages can be repaired for less that a typical deductible, anything larger requires extensive parts replacement. Over the long term, not covering your vehicle properly with the right insurance can be an expensive risk.
Research Your Options
Each insurance company will want you to believe their coverage is the best available. It is actually more trustworthy to speak directly with a multi-line insurance agent who can explain the various types of coverage and what they do and do not cover.
Insurance agents are there to be sure their customers receive the best coverage at a fair price. Some policies offer replacement value on your vehicle, some offer full retail value replacement, some offer an Actual Cash Value coverage which would be determined by the age and often times the Kelly Blue Book Value. Know your coverage.
Your agent will also direct you to the most economical deductible level that suits your lifestyle and budget. Premiums will be a bit lower the higher your deductible, but that does mean, in the case of an accident, you are responsible for the deductible amount. So with a $1000 deductible, that amount must come out of your pocket. Weigh the risk and your ability to manage the out-of-pocket expense.
Be Prepared Should the Unthinkable Happen
Besides having the optimal insurance coverage for your car, be sure to have your insurance card showing proof of coverage and your registration in your vehicle or always on you. You will want to know the insurance claim reporting phone number(s) and contact people.
We are the most recommended Ithaca body shop due to the quality of our repairs, our customer service, i-Car certified technicians, repair work guarantee, and our reputation in the area. We can work closely with your insurance company relieving you of the stress often associated with a collision loss.
When the unthinkable happens, call or stop by Wink’s Body Shop for a completely free repair estimate. Simply provide us with your insurance company information and claim number for fast and easy service. We will arrange inspections and appraisals as quickly as possible to get you back on the road.Tags: Central NY collision repair, collision repair in Ithaca, Ithaca Body Shop