Author: John Palmer

Should I Get Multiple Estimates for Car Repairs?

After your car has been damaged in an accident, you may believe that you are required to get three or more estimates. Your insurance company may then require you to go to the shop that gives you the lowest estimate. Sometimes the auto body shop and the insurance company have worked out deals where they use cheaper products in order to save the insurance company money. The fact is, in New Jersey, you have the right to take your car to the shop you choose regardless of which offers the lowest price. There are situations when getting multiple estimates may be helpful and these tips can help you determine if it is necessary.

When to Get Multiple Estimates

If you don’t have a relationship with an auto body shop, getting more than one estimate is not necessarily a bad thing. However, there is no need to get three or four estimates in order to get an average cost to repair your car. In fact, getting too many estimates could delay getting your car repaired and will take up a significant amount of your time. One reason to get an additional estimate may be because the first estimate you got seems excessively high or extremely low. In that case, you may want to get what is essentially a second opinion.

What is an Estimate?

An estimate is simply a rough total of what the auto shop believes it will cost to fix your car without disassembling the vehicle completely. The best way to describe an estimate is as a “best guess.” Estimates are notoriously inaccurate at predicting the actual final cost. When you get more than one estimate, each shop uses a different method for determining the cost of repairs. One may provide a quote that covers fixing a damaged part while another may include total replacement of the part. In addition, the lowest estimate is not necessarily the best option as the shop may use inferior parts, may not take the steps to match paint properly or may cut corners to get the repair completed at the low price.

Other Factors

A good repair estimate should factor in the quality of the paint as well as good parts. It should include the number of hours it will take to get your car fixed right the first time. It should provide a general idea of what it will take to get your car back on the road. However, a technician cannot accurately predict the cost of a repair until they begin working on it. Additional damage could be discovered after they remove body panels and other damaged parts. At that time, they should contact you to let you know of any additional parts or labor that will be required. You can then notify your insurance company who may agree to the higher cost of the repair if the shop can demonstrate the additional costs are necessary.

OEM Parts

Original Equipment Parts (OEM) are those that were used in your vehicle by the manufacturer. There are cases when a repair shop will have to use non-OEM parts. If your car is older, OEM parts may no longer be available and, in some cases, there is very little difference between OEM and non-OEM parts. In New Jersey, the repair shop must list non-OEM parts as part of the estimate. In addition, the non-OEM part must be sufficiently and permanently identified on the part. It must also be visible after the part is installed if at all possible. Non-OEM parts must be at least equal to OEM parts and must come with a warranty of reasonable duration and coverage.

Choosing the Right Shop

It may be tempting to simply take your car to a chain auto body repair recommended by the insurance company. Keep in mind that many insurance companies have negotiated lower prices with some of these shops who often use lower quality parts and cheaper paints in order to get your car fixed faster and at less cost. This boosts the bottom line of the insurance company but provides you with a repair that may be inferior to a local body shop.

When you bring your car into Elmer’s Auto Body for an estimate, we work as hard as possible to give you a repair cost that will be as close as possible to the final bill. We will inspect your car to be sure that when you leave our shop, you will be driving in the safest car possible. If your car has been damaged in a collision, schedule an appointment today with Elmer’s Auto Body by calling or filling out the easy online form.

Should You Increase Your Insurance Deductible to Save Money?

When trying to save money on car insurance, many people look at raising their deductible to make premiums lower. It is true that the higher the deductible, the lower your premiums may be but a high deductible also means your insurance covers less when you have a claim. If you are considering a raise in your deductible to lower your premium costs, there are some tips you should follow to be sure the change actually saves you money.

How Much Do You Have Saved?

If you have a significant amount of money in savings, raising your deductible to the maximum amount possible could save you a considerable amount in premium costs. For example, if the maximum deductible you can choose is $5,000 and you have more than that in a savings account, you could cover the cost of the deductible with your savings should you be involved in an accident. In addition, you can add the premium savings to the amount you set aside each month to grow your savings account faster.

How Much Will You Actually Save in Premiums?

The next thing to look at is how much you will actually save in premiums. Is it worth saving $30 per year if you will need to come up with $1,000 should you be involved n an accident? In most cases, the higher your premium, the more you will save if you increase your deductible. You also need to determine if you are in a financial position to handle the higher deductible. If you would be unable to pay the deductible, saving a few dollars a month in premiums would not be beneficial.

How Often Do You File Claims?

If you rarely ever file insurance claims, you may be able to afford a higher deductible should something happen. Raising your deductible may result in additional savings because, for every year you don’t make a claim, the saved premiums can go in your pocket. If you have made several claims, your premiums may be fairly high. Consider negotiating the deductible with your insurance rate to get the best discount on your premiums.

Higher Deductible Discounts

Although every policy and insurance company are different, the average savings you can see when you raise your deductible is between 5 and 10 percent. The higher you raise the deductible, the more you save. With some policies, if you raise your deductible from $200 to $500 just on collision and comprehensive, you could save as much as 30 percent and if you raise it to $1,000, you could save as much as 40 percent.

If your vehicle has been damaged in a collision, schedule an appointment today by calling or filling out the easy online form.

Facts vs Myth: DIY Ways On How To Get Dents Out Of Your Car

Car dents can seem to appear from nowhere. In some cases, you know what happened, like when your son opened the back door too fast and hit the parking meter on the sidewalk or your daughter rode her bicycle into the driver’s side door when she wasn’t paying attention. But what about that mysterious ding on the front fender that wasn’t there when you went into the mall? Did a grocery cart roll into the back door last week? Who sat on the hood and made the indent near the grill? A quick search online will give you many options for fixing dents themselves. Learn whether these tips are fact or fiction.

Hair Dryer and Compressed Air

One method described online is describes using a hair dryer to heat up the dent until it is too hot to touch and then quickly cooling it with compressed air. This method will not work on modern cars as most use a combination of metal and plastic on side panels and bumpers. A hair dryer cannot create enough heat to soften the metal and allow it to pop into place.

Wet Sponge and Plunger

According to online sources, you can drench the dent with a wet sponge soaked with water then use a cup plunger over the dent and apply pressure to pop the dent. Surprisingly, this method actually works on rounded dents and smaller dings. Applying a small amount of heat to the metal and then using the plunger may also work.

Suction Tools

Small suction tools can be purchased online for under $10 but some online sources claim you can use almost any type of suction tool, including a GoPro camera mount. This process works similar to the plunger, suggesting that you wet the surface and apply the tool. Like the plunger tip, this process can also work for small dents or dings.

Dry Ice

Internet sources claim that dry ice, which is frozen carbon dioxide, can be used to fix a dent. Heat the dent until it is too hot to touch. Protect your hands with gloves and wrap the dry ice in a towel. Rub the dry ice on the dent for about 15 minutes and the dent will pop into place. This is false information. Even if the dent appears to improve, as soon as the area returns to the outside temperature, it will reappear again.

Boiling Water

If you have discovered a dent in your plastic bumper, one internet method suggests pouring boiling water on the dent and surrounding area. You then reach under the bumper and push the dent out with your hands. This method actually works as the hot water softens the plastic so it can be pushed back into place.

The bottom line is that, although you may be able to repair a small dent yourself, some of these methods can actually cause more damage to your car. The surface can be damaged and mini creases can appear in the area surrounding the dent. Instead, schedule an appointment with Elmer’s Auto Body by calling or filling out the easy form online to have your dent repaired professionally and correctly.

What Is Frame Damage on a Car?

What Is Structural Damage On A Car?

Much like the human body, an automobile has a skeleton that supports its weight. This skeleton is commonly called the frame, and it is also used to protect the driver in the event of an injury. This is why a car frame is always made of steel that is both solid and strong.

Anything else would be unsafe and would probably not be able to survive an accident of any consequence. Unfortunately, even a solid steel frame can be broken if the trauma is great enough. In this article, we will examine this problem and attempt to give you an idea of what is going on and what you can do to correct the problem.

The Two Types Of Car Frames:

There are a number of different ways in which a car frame might be designed, but you don’t need to be familiar with all of them. All you need to know is the difference between the two most common types.

Unibody Frame

This is by far the most common type of vehicle frame for cars. A unibody is a combination of frame and body. There are several reasons why most of the industry has now switched to unibody frames.

One reason is the ease of manufacture. These frames are much easier to mass-produce because they are fitted together in pre-formed pieces. In addition, they provide a level of reinforcement that other vehicles cannot match. In a series of crash tests, unibody SUVs were found to lower the risk of death for both driver and passengers.

These unibodies are the reason that most outer car bodies are no longer made of steel. With a strong unibody frame inside the outer frame, the metal shell is no longer necessary. Also, unibody frames are usually lighter than body-on-frame models, allowing for greater fuel efficiency. Here is a good example of a unibody frame for easy reference.

There are two downsides that come with this frame type. First, they cannot handle as much weight as the traditional frame-on-body design. Second, unibody frames are much more difficult to repair if they become damaged.

Body-On-Frame

These types of frames are still very popular on larger vehicles like trucks and buses, as well as some SUVs. This is done for several reasons. For one thing, it’s not a good idea to fool around with designs that have long been proven to be effective. More importantly, a traditional frame can handle a bit more weight. That’s a very important factor when designing a truck or bus. Most people seem to agree that these types of frames are better for work.

At the same time, these simpler designs are usually easier to repair than a unibody frame. WIth a simpler kind of design, it is far easier to remove and replace a single section. When repairing a unibody frame, it is more difficult to replace a single section without compromising an entire side.

As we showed earlier, these frames do not tend to provide the same level of crash protection. However, the material of the outer body is also of some importance. A body-on-frame should be safe enough if the body is made of steel rather than composite material.

What Can I Do About This Problem?

If you have frame damage to your car, there is no doubt that you have a serious problem. In most cases, it will probably be cheaper to buy a new car than to replace the frame. However, some of this will depend on the type of frame involved and the degree of damage incurred. However, you should always start by getting estimates from various repair shops. Compare these prices to the cost of another vehicle before going any further.

The first thing you may be wondering is whether or not you can fix this problem yourself. Chances are, you cannot do so. While there are some very basic frame repairs that can be accomplished without special equipment and knowledge, the vast majority of these cases will require professional work.

If you are dealing with a rusting issue, you should strongly consider scrapping the vehicle. If the frame has reached a point where rust threatens any part of the frame, it is probably too far gone. You may only see one section that needs replacing at present, but there is probably more corrosion that you don’t see. The thick enamel coating on the steel (which is usually present) can hide a lot of rust damage.

The rusting issue can become much worse if you live by the coastline. Saltwater proximity leads to a higher level of salt in the air, and this has a harmful effect on steel support beams in general. While a thick coating can help, this problem will always be present.

Your biggest problem lies in the straightening of the frame. If the frame of your vehicle is bent by even a small amount, it can cause your car to drive crooked. If you’ve ever seen a vehicle that looked like it was driving sideways, it probably had a bent frame.

Another issue is that a repaired frame will never be as strong as it once was. This is mostly due to the fact that it is no longer a single piece. Even after being welded in place with the best methods known, there will always be a weak point that could cause catastrophic failure in the event of an accident.

In most cases, your best option would be to sell the car for whatever you can get. You can sell the entire thing to a scrap dealer, or (if you are mechanically inclined) you can take the car apart and sell it one part at a time. Frame repairs are only worth the money and trouble for cars that have a special value for one reason or another.

Conclusion

It should be obvious by now that frame damage is a very big problem. In many cases, it will mark the moment at which the car is officially shot. However, you should not rush to get rid of a car upon learning that it has some frame damage. Minor issues may well be treatable, so treat it like a loved one on life support. Save it if you can, but don’t prolong the inevitable.

What Happens When My Airbags Deploy?

Most modern cars are equipped with airbags and many have them located throughout the car. An airbag is known as a passive restraint as they deploy without the driver or passenger having to do anything. This is unlike a seatbelt that must be buckled by the person in the seat. Some cars do have a disarming mechanism for safety reasons. Airbags can be dangerous for small children so if you cannot put a child in the backseat, you may want to deactivate the airbag temporarily.

How Do Airbags Work?

An airbag is more than just the part that deploys. It is an entire system of sensors, a control module and the airbag itself. Sensors are located in various places in your vehicle that are commonly compromised when you have an accident. The sensors also monitor wheel speed sensors and data from the accelerometers plus other areas of the car. If the sensors receive certain information, they tell the airbag to deploy.

Where are the Airbags?

Airbags can be located in the dash, steering wheel, seats, door frames and other areas of the car. Initiator devices light chemical propellants to deploy the airbag when the sensors receive certain signals. When the propellant is ignited, the bag fills with nitrogen gas to force it from where it is stored. The entire process from ignition to deflation of the airbag can take less than 30 seconds. Once your airbag has deployed once, it must be replaced as all of the propellant is used to inflate the bag one time.

How Safe Are Airbags?

According to the National Highway Safety Administration, airbags deployed approximately 3.3 million times between 1990 and 2000. NHTSA estimated that more than 6,000 lives were saved by the deployment of airbags. However, they are activated by a chemical explosion and they inflate very fast. There have been instances where people were injured or killed by airbags, especially small children. In the time studied by NHTSA, 175 people died and many injured by airbag deployment. For this reason, children under the age of 13 should not be placed in the front seat of a car with an airbag. Passengers should not place their feet on the dash nor should they place objects between them and the airbag.

Changes in Airbag Technology

Airbags were first patented in 1951 but they did not become standard in vehicles in the United States until 1985. Although the basic principle is the same as it was in 1985, airbag technology has been refined. Today, there are “smart airbags” that inflate with less force if conditions are right, making them safer than older models. Newer systems also include a variety of airbags in other areas of the car to add more injury protection.

If your car has been in a collision, contact Elmer’s Auto Body today by calling or filling out the easy form to schedule an appointment.

I Hit A Deer. What Happens Now?

If you have ever had to drive on rural roads, you know that the risk of encountering deer can be pretty high. In fact, more than 1.5 million accidents in the United States are due to someone hitting a deer, sending over 10,000 people to the hospital and killing more than 100 each year.

Avoiding Deer

When driving, if you see a deer on the side of the road, slow down as much as possible. It is very rare that one deer is alone as they usually travel in herds. If one crosses the road, stop and look carefully as others may follow quickly behind. This is especially true if the deer is female as she may have a young doe with her. Deer are nocturnal so it is important to pay more attention at night. This also makes them more difficult to see on dark country roads.

If You Cannot Avoid the Deer

One common myth is that you should speed up so that the hood of your car tilts upward but this is extremely dangerous. If a deer breaks through your windshield, its hooves can kill you or a passenger. Most injuries and fatalities are caused by drivers who try to take evasive action. Apply your brakes firmly, hold the steering wheel and bring your vehicle to a controlled stop as soon as you can. Do not swerve into oncoming traffic or veer off the road where you risk rolling your car or hitting a tree.

If the Deer is Injured

Unless you are absolutely certain the deer is dead, don’t try to move it. Deer have very powerful legs and, if they are injured, will be frightened if you come close. If they kick you, it is possible you will be lying in the road as well. If the deer is moving and you can move your car, place it in front of oncoming traffic with the hazard lights flashing. This will keep other cars from hitting the deer in the road. Call 911. The police will notify the proper authorities to remove the deer and you will receive a police report for insurance purposes.

Can I Keep the Carcass?

If it is not deer season, you must request permission to keep the deer carcass for its meat. Outside of hunting season, contact the authorities even if your car is not damaged. You will need to take it to a processor fairly quickly to be sure the meat remains edible.

If you have been in an accident involving a deer and your vehicle has sustained damage, contact Elmer’s Auto Body today. We will work to get your car back on the road as fast as possible. Schedule an appointment by calling or filling out the easy online form.