Category: Insurance

Most people would consider themselves extremely fortunate if they never have to make an auto insurance claim. Even though the process is usually cut and dry, there can be times when the process is frustrating. Not only do you have to deal with the stress of getting your vehicle appraised and repaired, but you could be working with someone else’s insurance company. Then, you get a notification that the other party’s insurance company has denied your claim. Now, things are worse than ever. What can you do when the other person’s insurance company has denied liability? Are there steps you can take to get your fair cut?

Keep reading to find out.

 

What is Subrogation and How Does it Affect Your Claim?

Subrogation is not a common word. When you are in a car accident, though, it suddenly becomes much more common. Subrogation will play a role in how much money you get and how the entire claim process plays out.

In other words, subrogation is a way to determine who is at fault in a car accident. If it seems that more than one driver is responsible for the collision, subrogation will assign a percentage of responsibility to every party involved. Then, it helps divide up the amount of money every person gets as a payout.

Usually, you will not be involved in the process, because the insurance companies will do it in the background. After an accident occurs, the provider of your auto insurance will do their part in paying for whatever repairs you need. Sometimes, your insurance company will also work with the other party’s insurance company to get you more money.

If the fault is shared, then your insurance company will, for example, say there is a 50/50 split between providers. For example, if you have damages of $3000, the insurance company will give you whatever amount is needed, minus your deductible. So, let’s say $2000. Then, a subrogation claim is sent to the other party’s insurance company, who will hopefully pay for 50% of that $3000. You then get half of your deductible back.

But things can get quickly complicated, especially when the other party’s insurance company denies your claim.

 

Reasons Why an Insurer Could Deny Your Claim

The main motivator behind an insurance company denying claims is money. After all, insurance companies are a business, and like all businesses, they care about profit. Auto insurance companies aim to reduce their payouts; if they can deny their own insured, they can certainly deny you if it means saving them any extra cost. However, there are more reasons than that to getting denied.

Here are some other factors:

• Lapsed policies. This has nothing to do with you. It means that the other driver could have lapsed on their policy, leaving them uninsured at the time of their accident. This complicates matters, especially subrogation.
• You didn’t report fast enough. Depending on your state, you will have 2-6 years to file a claim. For NJ residents, you only have 2 years. Afterwards, you will be unable to get money from the other party’s insurance. Be sure to contact your insurance provider as soon as you can after the accident to ensure the subrogation process can begin without any hindrances.
• Pre-existing damages. If the insurance company has reason to believe that issues with the vehicle were present before the accident, they could deny the claim.

The other party was not at fault. In the event the police report does not detail who caused the collision, then it must be proven. If there is no evidence to say that the other party was partially or completely at fault, then their insurance company does not have to do anything for you.

 

Steps to Take After The Other Party’s Insurance Denies a Claim

So, you have a letter stating that your claim was denied. This isn’t over—especially if you are undoubtedly entitled to compensation. Be sure to employ an attorney for this. They will have the experience and knowledge to get you the money you deserve.

 

Write a Demand Letter

Your attorney will compose a demand letter that is akin to a formal claim that will detail everything that happened, the amount of damages to your vehicle and bodily injuries, and why the other driver is either partially or completely at fault. From there, the insurance company will respond with further reasons why you were denied. It may even offer some payment demanded but not all of it.

Proceed With a Formal Appeal

The other party’s insurance company should have a formal appeal process. In New Jersey, formal appeals are required in order to proceed lawfully.

 

You May Need a Lawsuit

Usually, the cost of a lawsuit will outweigh the cost of the damages, so you need to think about this carefully. If you suspect that the insurance company is committing an improper claims practice, it may be a good idea. However, you should discuss this with your attorney, as they will have a more educated opinion.

 

Final Thoughts

Regardless of the reasons why the other party’s insurance company denied your claim, having legal representation and guidance is the first step. In the meantime, proceed as you would with your own insurance company and have your car repaired. As long as some part of life returns to normal, things will seem a lot less hectic.

Elmer’s Auto Body is happy to work with our customers and their insurance companies. We provide high-quality repairs and act as a one-stop-shop for all other vehicle services in South Jersey. If you need help with filing your auto insurance claim, our customer service team may be able to help. Give us a call or fill out the contact form for more information.

After a crash, you might not be thinking about where you should go or if the auto body shop your insurance company recommends is decent. You just want things to return to normal. That is understandable. When your car is damaged and in need of repair, the insurance company will tell you that they can cover the expenses and will direct you to an approved mechanic. Unthinkingly, you may just go along with it—until you wake up in the middle of the night wondering, “Should I use my insurance company’s auto repair shop? Do I have to?”

The approved mechanic is sometimes referred to as “within the insurer’s network” or “direct repair shops (DRPs).” Insurance providers want you to visit these mechanics because the service will be faster and cheaper for them—but not always for you.

So, choosing whether to use the insurance company’s auto repair shop comes with some consideration. Let’s have a look at some things to keep in mind when selecting the right body shop.

 

Know Your Rights

Your insurance company may try to pressure you a bit into selecting their auto body shop. Fortunately, auto insurance is not as limited as health insurance, and you can freely choose whichever body shop you want. That also means the insurance company has to reimburse the body shop, even if you do not use the recommended one.

Be prepared for some resistance. The insurance company may say, “The repairs will not be as quick if you go somewhere else.”

Speedy repairs are not always the best repairs. You want repairs that are thorough and accurate, not sloppy. If a mechanic is going to race through the repairs just to appease the insurance company, there could be issues that go undiscovered and wind up causing trouble later on. You don’t want that.

So, remember, no matter what the insurance company tells you—that you have to use a DRP, that they can’t guarantee the repairs or warranties—it doesn’t matter. You have a right to choose where you are taking your vehicle. Period.

 

Advantages of Using a Body Shop Recommended By The Insurance Company

There are some pluses to going along with the choice of your insurer, such as:

 

Wider Coverage

Most insurance companies have a network of DRP shops throughout the nation. So, if your vehicle happens to get into an accident in another state, the recommended company is a good choice. In the event that you go to an out of network auto body shop, you may have to return to it, even if it is a far distance away.

 

Faster Service

If you want your repairs done fast, then the body shop your insurance company asks you to use is going to be a great choice. As mentioned earlier, the relationship between the body shop and the insurer means that they are committed to speedy service. The check for the repairs goes straight to the shop, so you don’t even have to worry about it.

In addition to faster repairs, you can glide past the process of filling out paperwork. Typically, insurance companies will guarantee any workmanship and will handle things for you if anything happens in the future. Going out of network means having to deal with any warranty claims or issues for poor workmanship alone.

 

Disadvantages of an Insurance Company Recommended Body Shop

Going with the insurance provider’s recommendations is not always a great plan. Sure, the recommended body shop is going to get your vehicle back to you sooner, but they may not find every single problem. This leads to downsides, including:

 

Unfamiliar Mechanic

You may already have a local auto body shop that does your servicing. Go to them. Otherwise, the repairs will be done by a mechanic that you don’t know—and they don’t know your vehicle.

Negotiation

Did you know that the provider-recommended shop may downplay the damages to your vehicle in an attempt to lower the repair cost? You are going to have to negotiate with the insurance company and the mechanic in order to get the repairs that your car needs.

 

Poor Repairs

Unless you want the most cost-effective route for repair, then going to the recommended auto body shop is not the way to go. Because the relationship is based on incentives, the auto body shop will cut corners and receive salvaged or aftermarket car parts instead of OEM. Always go with a reputable mechanic who does not compromise on quality.

 

Choosing Your Repair Parts and Facility

Many vehicles today have been constructed with highly advanced equipment and need to be repaired with the same level of quality that they came from the factory with. This is known as Advanced Driver Assistance Systems or ADAS. When a newer car model is repaired, you will want to receive Original Equipment Manufacturer (OEM) parts to ensure everything fits and functions properly.

For some time now, insurance companies have debated with auto body shops about the need for OEM parts during repairs, since OEM is often more expensive than aftermarket or salvaged pieces. Insurance companies prefer salvaged parts from the junkyard. Check your insurance policy to see if they allow for you to receive OEM.

In the event you plan on bypassing your insurance provider’s recommendation, be sure to choose a top-quality auto body shop near you. Look for a shop with technicians that are highly qualified and have certifications like I-CAR. OEM qualifications are also reassuring.

 

Choose Elmer’s Auto Body

You want an auto body shop that is going to repair your car to perfect condition, not something sub-par. That is why you should choose a place that will honor your wishes and get you exactly what you need for the repairs. At Elmer’s Auto Body, we have a team that is proud to serve you. Our technicians have received coveted certifications with I-CAR and OEM providers, ensuring that every service and repair is thorough and precise.

Plus, we promise to work with your insurance company to make the process as stress-free as possible. We will even help you get a rental car if needed. Call us or fill out the contact form to receive a quote or learn more about how we can help.

Most people go through life thinking that they will never have to deal with something like a car fire. You’re prepared for things like collisions, theft, and vandalism, but what are the odds of your vehicle literally going up in flames? Believe it or not, one in eight fires that fire departments respond to involve a vehicle fire.

That means you need to consider whether your auto insurance covers engine fire. Not every type of auto insurance coverage will cover fire. Only comprehensive coverage will protect you against the costs of vehicle fire damage, regardless of the cause.

What Is An Engine Fire?

An engine fire is when a fire starts in your vehicle’s engine. The common cause of engine fire is a defect or design flaw. Poor maintenance may also be a culprit. If you let broken parts go or have leaky seals or bad wiring, the chances of a spark igniting a fire increase. For example, a bad gasket increases the likelihood of leaking flammable fluids, and if a frayed wire comes into contact with that liquid, you have a fire.

No one wants to deal with an engine fire, so bring your car in for maintenance and repairs today. Elmer’s Auto Body is one of the best auto body repair shops in New Jersey. We use only OEM parts and employ only certified technicians.

What Coverage Type Pays For Engine Fire?

As we mentioned earlier, the only coverage that protects you against fires is comprehensive car insurance. This is different from collision coverage that only covers damages from striking something, like a car accident. Comprehensive insurance deals with anything beyond the realm of a car collision. Being that it is an optional addition to your required policy, it costs extra and is oftentimes overlooked by many drivers.

The only time you are required to have comprehensive auto insurance is when you are renting or leasing a vehicle.

Another type of insurance you can purchase is called “supplemental fire insurance.” It will cover virtually everything having to do with fire, but you will have to review the specific wording of the policy that you choose. Supplemental insurance is meant to fill in gaps and cover any potential liabilities.

What Kinds of Car Fire Are Covered By Comprehensive Insurance?

Here are three scenarios in which comprehensive car insurance will cover fire damage:

• There is a wiring defect or mechanical problem that sparks an engine fire
• The vehicle is stolen and the car thief sets it on fire
• A housing structure that was on fire causes damages to nearby parked cars or those in the garage

What About Supplemental Fire Insurance?

Some examples of what supplemental insurance covers include:

• A rental car that is getting repaired or replaced
• Possessions in the vehicle that were damaged by the fire
• Additional expenses, like lost workdays during repairs

The Car Engine Fire Resulted in Total Loss—Now What?

If your car is suddenly engulfed in an engine fire, it often results in a total loss, because the fire can spread rapidly and burn at exceedingly high temperatures. The damages sustained may be impossible to repair. In the event that the engine fire resulted in a total loss, your car insurance will pay the cash value of the vehicle (minus the deductible).

You will need to file a claim in order to get the cash value for the ruined vehicle. The process is simple, but there are some things you need to be aware of before you pick up the phone. First, your claim may be investigated as fraudulent. Don’t worry. Because fire claims are a slightly rare occurrence, most insurance companies are hesitant to believe you immediately. However, if there has been no negligence on your part and no fraud, then the claim process will run smoothly afterward.

What About Repairable Damage?

If the insurance company’s adjuster deems your vehicle repairable and not totaled, you’re in luck! The insurance company will give you a payment to meet the cost of repairs after considering deductibles, and your car will be towed to a reputable auto body shop, like Elmer’s Auto Body, where it will be fixed.

Depending on the extent of the damages from the engine fire, the repairs could take a few days or a few weeks. Sometimes, the mechanic will have to order special OEM parts, and it may take a while for the shipment to arrive.

Bottom Line

Comprehensive car insurance and supplement fire insurance both cover engine fires. Be sure to check your policies to see what kind of fire claims are excluded, if any. Knowing you are protected from engine fire-related losses will give you some peace of mind since such events can be truly devastating.

Having the best auto body shop in your area by your side is also important. Elmer’s Auto Body has been in business for many years. We are highly experienced, highly certified, and 100% committed to offering the best repair services for motor vehicles. Whether you need simple maintenance or a large-scale repair, we got your back.

Get in touch with us today. Pick up the phone or fill out the contact form. A representative will get back to you soon.

Even if you don’t get into an accident, there are plenty of dangers on and off the road to your vehicle’s windshield. And once your windshield is cracked or shattered, there is little you can do with your car until the damages have been repaired. Unfortunately, repairing or replacing a windshield can be too expensive for many drivers.

So, you might wonder whether car insurance will cover the cost of repairing or replacing the windshield.

The answer is: It depends—on the damages and what type of car insurance you have. If you have the correct insurance, then you might be in luck. But there are still a number of factors to consider before filing a claim.

To help you succeed in getting the damages corrected, here is everything you need to know on how to get your insurance to fix your windshield.

 

Which Insurance Covers Glass Damage?

Having the right type of auto insurance is the first major step in getting any crack or chip repaired or a shattered windshield replaced. Regular car insurance covers liabilities, so you need something else.

That’s where comprehensive car insurance is useful. A comprehensive policy is going to cover all the bases that your liability and collision insurance do not, such as theft, vandalism, animal damage, weather damage, and falling-object damages.

Comprehensive coverage usually includes glass damage. In order for any windshield or window issues to be repaired or replaced, however, you will need comprehensive insurance before any incident occurs. If you try to purchase a comprehensive policy after your windshield is damaged, it won’t be covered.

 

Receiving Full Glass Coverage

An optional addition to comprehensive coverage exists that is called “full glass coverage” or “zero dollar glass deductible.” This add-on will void the deductible whenever you submit a glass-related claim.

Full glass coverage is not available in every state, so be sure to check your insurance policy and contact the carrier if you have any questions.

 

Impact on Deductibles and Premiums

Before you begin the process to submit a repair claim, you must do the following:

Compare the cost of the overall repair or replacement to the amount of your insurance deductible.

If you have a deductible that is higher than the overall cost of the windshield repair or replacement, then you shouldn’t file a claim.

Premiums are another matter. Any damage to the windshield that results from anything other than a collision will not increase your insurance rate—usually. Check your insurance policy to make sure.

Keep in mind that, if you file a claim when the cost is only a small amount higher than the deductible, it could negatively impact your claim record. For example, if your deductible is $200, and the cost of repair is $240, and the insurance company gives you $30, you’re not really saving anything. Further, a compilation of small claims could increase perceived risk, leading to a premium hike when you renew.

The DMV has more information about submitting insurance claims and some useful tips to ensure you receive your new windshield.

 

Repair or Replace – That is the Question

There are two avenues for damaged windshield glass: replacing the entire section or repairing the individual cracks and chips.

• Repairs: these should only take around 30 minutes to complete. It is best for smaller cracks and chips in the windshield that are not located directly in the driver’s line of view.
• Replacement: this will cost far more than repairs and are usually the result of extensive, irreparable damages to the vehicle.

 

Will I Get an OEM Windshield?

In the event you need to receive a full windshield replacement, you will receive a brand new pane of glass. That said, whether you receive an original equipment manufacturer (OEM) windshield depends largely on what your insurance policy states.

Most insurance carriers will cover aftermarket parts. Cheaper than OEM, aftermarket parts are ways for insurance companies to cut the cost for themselves and for those they insure. If OEM parts were used all the time, your premiums would be sky high.

But, if you absolutely want an OEM windshield, there are two things you can do to get your insurer to cover some of the cost:

• Offer to Pay the Difference: You can request that your insurer orders an OEM windshield instead of aftermarket if you offer to pay the difference between what the insurer is covering and the price of the new windshield. (That difference won’t be cheap either!)
• Get a Rider in Advance: This must be done far in advance. When you are setting up your comprehensive policy, you can request a rider to get OEM parts. When you have a rider set-up already, the insurance company won’t question giving you OEM parts. Not all insurance carriers have this option.

If you must have OEM parts, the best way to secure them is to review your policy and discuss your options with your insurance company.

 

Get Your Windshield Repaired or Replaced Today!

Getting insurance to cover your windshield repair or replacement is all about knowing your policy and filing a claim quickly. The sooner you file for work to be done on the windshield, the better. There is more than one reason for this. Even tiny chips and cracks can spread rapidly across the windshield.

Do you have chips and cracks that you’re worried about? If they are small, you don’t need to get insurance to cover it. Most cracks can be repaired within minutes, and even if you don’t have comprehensive coverage, it won’t cost much.

The best way to get insurance to cover your windshield, however, is to have comprehensive car insurance-not just property damage and personal liability coverage.

Have questions about getting your windshield repaired or replaced? Send them our way by filling out the contact form! We’re here to help.

Most people expect their car to be waiting for them when they return to the parking lot after working or shopping. Unfortunately, there may come a time when, after a long day or early in the morning, you head out to where your vehicle should be only to find it missing. Frantically, you search the street. You think to yourself that maybe you’ve forgotten where the car’s parked. But then, reality sets in—your car has been stolen.

It’s a situation no one wants to be in.

After initial questions have been answered, like whether your car was towed, you will have to call the police to have a police report filed. From there, you may wonder if car insurance covers motor vehicle theft.

The answer is yes, and it’s probably the best news you will receive all day in this scenario.

 

What Type Of Insurance Covers Car Theft?

There are a few components to car insurance. Depending on your coverage, you may have several kinds of auto insurance and varying layers of coverage.

The different insurance types are:

• Liability coverage: Protects other drivers from injury and property damage caused by you
• Personal injury coverage: Assists with payments when you or passengers in your vehicle are hurt in an accident
• Collision coverage: Covers damages to your car as the result of an accident
• Comprehensive coverage: Otherwise known as comp insurance, this coverage protects your vehicle from “Acts of God,” which includes natural disasters, vandalism, and even theft—with some conditions

In other words, unless you have comprehensive coverage, which is usually purchased as a supplement to collision coverage, you will not be protected from damages that happen to your car while you’re not operating it. But if you do have comp insurance, a percentage of expenses will be covered in the event a tree collapses on your car, or it is stolen or broken into, and so on.

However, there is one exception to this. If you have leased a vehicle or have it on loan and it gets stolen, comprehensive coverage cannot help you. Instead, you should consider “gap insurance.”

Usually, your insurer will pay you the actual cash value (ACV) of the vehicle. Gap insurance, though, means that the payout is the difference between what is still owed on the vehicle and the ACV. This can help if you owe money on the vehicle or if it has depreciated in value. All insurance carriers have limits on the “gap,” but the coverage itself is relatively affordable.

 

How Much Money Will I Receive?

As mentioned earlier, comprehensive insurance will cover the actual cash value of the vehicle. If your policy covers car rental reimbursement, then you may have the expenses of renting a car covered while the claim is processing.

The ACV is the value given by the adjuster. They will consider things like the vehicle’s make, model, Blue Book value, and accident history to figure out the total amount. Core fixtures in the car will count towards the overall ACV. For example, the tires, seats, and installed GPS system will add value.

However, any accessory items, such as an attached GPS or a plugged in MP3 player are not covered by your comprehensive insurance.
I left my car keys in the ignition when the car was stolen. Does insurance cover that?

We all make mistakes from time to time. Leaving your keys in the car and coming back to an empty parking spot is one of them. Despite what others may have told you, the insurance company will not penalize you for such a mistake or consider the action negligent enough to dismiss your claim. You’re still covered.

 

Is The Theft Of Personal Items In The Car Covered By Insurance?

Car insurance does not cover the theft of items that were in your car, even if someone just broke into it. That doesn’t mean you can’t get something back for your items. You may be able to file a claim of any personal items that were stolen alongside your car by contacting your homeowners or renters insurance carrier.

It may come as a surprise, but renters and home insurance covers belongings in your car, too. It’s not bound solely to your home or apartment.

 

What Is The Entire Claim Process For A Stolen Car?

The stolen vehicle claim process can be exasperating—but don’t get discouraged. You will have to discuss the circumstances with an insurance adjuster. Be sure to have the police report and other information, such as the date and time of the theft, on hand while answering questions. The adjuster has to make sure that your claim is not fraudulent before the claim can proceed.

Keep in mind that, if your car is stolen, you are making a total loss claim. You will come to an agreement between you and the insurance company, as well as any lender who made a vehicle loan. If your vehicle is recovered later on, the insurance company will probably have ownership.

If you decide to wait to see if your car is found, then you should also know that comprehensive car insurance also covers any damages to the vehicle that the thief inflicted. You may need to pay a deductible, though.
Have Damages From a Break-In or Car Theft?

Does car insurance cover car theft? Yes, if you have comprehensive coverage or gap insurance. It should give you a little peace of mind to know that you can receive payment for a stolen vehicle and be able to rent a substitute until your car is found. In the event you have damages upon recovery, look for an auto body shop with expertise in both exterior and interior repairs.

Whether you need auto body work done to your vehicle or have questions about services, we are here to help. Send us a message by filling out the contact form, and our friendly team will get back to you.

Mother nature can be unforgiving and causes a great amount of damages throughout the year. Those damages can affect your property and also your vehicle. After such a calamity, which are often called “Acts of God”, you might be left one question: “Does car insurance cover a natural disaster?” Rather than waiting until something terrible happens as a result of unpredictable storms or something similar, it’s best to know now whether such damages are covered or not.

The quick answer is yes, if certain conditions are met. Not every scenario is going to be covered.

Let’s break this down a bit further.

 

Comprehensive Car Insurance Coverage

There is no actual “natural disaster” insurance policy for motor vehicles. Instead, there is only comprehensive car insurance. Most states, like New Jersey, require drivers to have a minimum of auto liability coverage, which will pay for things like another driver’s injuries or damages to property in the event of an accident.

Comprehensive car insurance is optional. You must choose such coverage when you enroll into an auto insurance policy. Unless you choose a comprehensive plan, natural disasters will not be covered. Individual policies are different, though, so what one plan covers may not be paid for in another insurer’s plan.

The good news is that you can add comprehensive coverage onto your current policy, and it usually takes about 5 minutes when done online.

 

What Does Comprehensive Car Insurance Cover?

Most comprehensive policies offer coverage from falling debris, glass, and water damage. That means any damages caused by storms, tornadoes, hurricanes, or even hail storms and floods can be paid for. You may assume that you are safe from certain natural disasters, such as flooding, if you do not live somewhere considered a flood zone.

That said, you never know when flash flooding may occur while you are driving. Flood waters can cause damages to the internal machinery of the vehicle. However, only comprehensive coverage will help with mitigating the costs of car repair. If you live somewhere prone to flooding, pay it safe and get the appropriate amount of coverage.

You may also be covered in the event of a wildfire and earthquake.

 

Important Note

If you live in an area that is subjected to inclement weather, such as high winds, tornadoes, hail, and flooding, you should always ensure well in advance that your policy has comprehensive coverage. Otherwise, you may run into something called a “binding restriction.”

Binding restrictions occur when insurance providers place restrictions on consumers to prevent them from buying or changing plans during a major storm.

This means you cannot wait for the flooding to strike to purchase insurance that will cover your vehicle from damage.

 

What are Other “Acts of God”?

An “Act of God” refers to any damages that are the result of circumstances beyond your control as a driver. Aside from natural calamities like hail and flooding, additional Acts of God include:

• Volcanoes
• Mudslides and landslides
• Sinkholes
• Riots
• Vandalism
• Theft

As long as you maintain comprehensive coverage, you are safe from natural disasters and damages that may be the result of civil unrest. Think of comprehensive insurance as a safety net for anything beyond what happens on the road.

 

My Car’s Been Damaged in a Natural Disaster! What Now?

Now that you know that, yes, natural disasters are covered by comprehensive car insurance, it is time to discuss what happens if your vehicle is damaged by such a calamity. If you have comprehensive car insurance, then you shouldn’t worry about the cost, because it will most likely be covered. Once you are positive the danger has passed, you will need to file a claim with your auto insurance company.

Be sure to take pictures of the damages from every angle or take a video to show the damages. When you make your claim, you will be asked questions about how the damage occurred, so the evidence may come in handy. Do not move the car until the appraisal from the insurance company has been completed. Also, do not attempt fixing any damages before speaking to the insurer.

 

Limitations and Deductibles

Even though you have coverage and can file a claim, there are some things that could limit how much you get for the damages. You will have to pay a deductible, unless your auto insurance policy does not have one. Next, some comprehensive policies will have a limit to the maximum amount of expenses that would be covered. That limit is typically how much your car is worth.

 

Get Your Car Repaired Fast

You should now know that only comprehensive auto insurance will cover natural disasters and other Acts of God. Other forms of auto insurance, such as liability insurance, will not cover expenses from hail or flooding or anything else. If you live somewhere that regularly receives powerful storms, comprehensive auto insurance is a smart choice.

Has your vehicle been damaged in a recent storm? Once you’ve spoken to your insurance company, it’s time to bring it in for repairs. Our professional team is happy to return your car to its proper working condition. Let us know how we can help by filling out the contact form.