4 Ways to Promptly Find Reliable Auto Collision Repair Services

You’ve been ina car accident. You’re shaken up. Once you’ve finished taking care ofexchanging insurance information, filing a police report and tending to anyinjuries, now you have the work of getting your car repaired.

So how do youquickly find a reliable auto collision repair service?

Continue reading 4 Ways to Promptly Find Reliable Auto Collision Repair Services

Should I Repair My Car or Keep the Cash?

You’ve been inan accident and have been given an estimate for repairs to your car from theinsurance company. Now you have two options:

  1. Repairyour vehicle
  2. Keepthe cash but don’t do the repairs

Before you makea decision, there are a few things to keep in mind.

Actual Damage to Your Car

Some damage canlook minor but still present a significant safety issue. For instance, damageto a fender or a ding in a door may seem insignificant but can hide dangerousstructural damage. Alignment issues may be imperceptible, but a bent frame cancompromise your vehicle’s ability to absorb impact in a subsequent accident,increasing the chances of severe injuries and death.

Knowing theextent of the actual damage requires disassembly and further exploration by acertified technician. Your insurance company’s estimate may not tell the fullstory.

Whether you cansee the damage or not, if it would make driving the car dangerous, you need torepair your car. If the damage is purely cosmetic, then the choice is yours…butdo keep in mind how cosmetic damage may affect resale value.

Who Really Owns Your Car

If you stillowe money on your car, the bank technically owns your car. With that comes theexpectation that you will keep it in running order and good appearance. In thiscase, the decision isn’t yours. You must repair your car instead of taking themoney.

Continued Car Insurance Coverage

If you choose to keep your car the way it is—i.e., damaged, you may not be able to insure it against physical loss. In other words, accident damage left unrepaired may make you ineligible for comprehensive and collision coverage. So, if you are in another accident, you may have to pay for repairs or a new car entirely out of pocket.

At Quanz Auto Body, we are one of the top collision repair centers in Albuquerque. Our goal is your safety and satisfaction.If you’ve been in an accident, bring your car to us. We’ll quickly and professionalassess the damage so you can get the full picture and make the decision that isright for you. Contact us today!

Does a Car Accident Void the Warranty?

Tow Truck

You bought a car with a warranty for a reason—you want to be able to replace parts without it costing a fortune. But what happens when you’re in an accident? Does that void the warranty?

Your Warranty

Standardwarranties have bumper-to-bumper and powertrain coverage. They usually cover aspecific number of miles or years.

Powertrainwarranties deal with the repair of parts that provide power to make your car ortruck go—that includes the engine,drivetrain and transmission. Bumper-to-bumper warranties will also cover justabout everything else, like tires, your infotainment system, AC/heating system,etc.

Everymanufacturer and dealer is different, so to know what exactly your warrantycovers, you’ll have to ask your sales person or read the fine print.

What Affects a Warranty

Many of theconditions that void your warranty are under your controls, such as:

  • Off-roadingor racing
  • Maintenanceneglect (e.g. failing to get regular oil changes or scheduled maintenance)
  • Vehiclemodifications, including the odometer

However, thereare some conditions, like floods, fires and other “Acts of God”—that are out ofyour control. In general, though, an accident is not one of them.

An Accident and Your Warranty

Your warrantyshould be good even after an accident, but there are some exceptions. Yourwarranty could be void after an accident if:

  1. Youuse aftermarket parts on your vehicle for repairs
  2. Your car insurance declares your vehicle to be a total lossand they give it a salvage title

Quanz Auto Body can help ensure that your vehicle remains underwarranty after an accident. We use OEM parts and will warn you about possiblewarranty issues if you opt for aftermarket parts. Contactus tomake collision repair better.

What Happens When Your Car is Totaled, and You Still Owe on the Vehicle?

At Quanz Auto Body, we know that getting into a car accidentis bad enough. It just adds inconvenience and hassle to be without your carwhile it’s being repaired. But what about when your car is beyond repair—whatthen? And worse, what happens when you still owe on a car that can’t berepaired? Unfortunately, if your car is totaled and you still owe on it, youcould be stuck with a car payment on an undrivable car.

When a Totaled Car Isn’t

When you hearthe word “totaled” or “total loss,” you think about a car beyond damaged beyondrepair. That isn’t always the case. More often, your vehicle could be repaired—it’s just that thecost of repairs is more than your vehicle is worth.

For example,say your insurance company values your car at $8,000 but repairs after anaccident would cost $10,000. The insurance company will deem your car a “totalloss” and will not pay for any repairs. Instead, they will pay cash for thevalue of your car (minus your deductible). If your deductible is $1,000, youwould end up getting a check for $7,000.

When You Still Owe

Unfortunately,an accident does not cancel out your car loan. That $7,000 would go directly tothe bank to help pay off your debt. If you owed less than $7,000—great! Yourloan’s paid off and you may have a few hundred to put down on a new vehicle.

But, if you owemore than your car is worth, you will have to continue to make monthly paymentsfor a car you don’t even have anymore. It’s not a great situation but one thatmany people find themselves in since car loans now average 60 months to payoff.

Really, there’snot much you can do in this situation. Some states require that the insurancecompany reimburse your for the sales tax of your car, giving you a little bitof extra cash, but New Mexico is not one of them.

When You Have Gap Insurance

Your story mayhave a bit of a happier ending if you have gap insurance. Gap insurance willhelp you pay off your car loan in the event your car is totaled and you stillowe on it. However, it won’t help you put money towards a replacement, so youare still out a functional vehicle.

Whether or notyou have gap insurance, you can choose to keep your car even if it’s been“totaled.” In this case, your car will have a “salvage” title, which means youcannot apply for new plates until you’ve made repairs…and you may be payingcompletely out-of-pocket to have those done. If your car was damaged soseverely that it was totaled in the first place, it’s more likely than not thatit’s not safe to drive in the meantime.

So, here’s themoral of the story: to avoid getting in a situation where an accident may leaveyou with a hefty bill but no car, carefully consider your car purchase. Inaddition to the retail price, also keep in mind:

  • Thelength of loan terms needed to make payments manageable
  • Estimateddepreciation of the vehicle

These factorswill help you determine if a long-term car loan is really your best option. Andif you have any questions about your repairing damage to your car, or if youneed an estimate, we’re here to help! ContactQuanztoday!

What to Do after You’ve Experienced an Auto Accident

When you’re in an accident, what you do immediatelyfollowing impact is vital. From gathering information to documentation, it canmean the difference between easy claims coverage and a smooth repair process orhassle. So, what do you need to do to facilitate quick recovery from an autoaccident?

  • Move to a Safe Area if You are Able

If your vehicle is drivable,move to the shoulder of the road so you are out of the way of traffic. If youcannot move your vehicle, put on your hazard lights, cones or flares to alertothers to your presence and inability to move. Put on your parking break andensure it is safe to get out of your car before you open a door. Be aware thatsometimes, it may be safer to remain in your vehicle until emergency crewsarrive.

  • Make Sure All Involved are Okay

Check to see if anyone involvedwas injured. Some injuries may be evident—call 911 ASAP. However, some injuriesmay not be immediately noticeable. It’s probably best to call 911 anyway.

  • Call the Police

Even for a minor accident, callpolice. Nearly every insurance carrier want a police report to process yourclaim. If the accident is minor, a police dispatcher may advise you how to makea police report at a local substation if no officer is available.

  • Exchange Information

Exchange information with theother party, including:

  • Insurance information
  • License plate numbers
  • Names and numbers of the driver(s) and anypassengers
  • Makes and models of the cars involved
  • The name and number of responding policeofficers

Do not give out any personalinformation beyond your insurance and contact information. And do notapologize, admit to or speculate about fault. Anything you say could cost youcoverage.

  • Document Damage and the Scene

It’s easy to forget details asthe claims process drags on. Documenting the accident will help you provide thedetails your insurance carrier needs to process your claim.  Documentation that will be helpful includes:

  • Detailed photos of the damage and of the scene(including any street signs or signals)
  • Names and numbers of any witnesses
  • Notes about the circumstances and conditions,such as speed and direction you were traveling and what contributed/led to theaccident and how it happened
  • File a Claim with Your Insurance

As soon as you are able (maybeeven while you’re waiting for police to arrive), contact your insurance agencyto report the accident. The agent you talk to on the phone will help youunderstand what will happen to open and process the claim. They may alsoprovide some helpful tips for documentation you’ll need about thescene/circumstances to make the process go more smoothly.Oncethe accident has been reported, documented and “claimed,” you’re ready to beginthe collision repair process. And the first step for that is to get your car toQuanz Auto Body for a full inspectionand repair quote. We are a preferred partner by seven major insurance carriers,and we offer on-site Enterprise car rental. We make the rest of the accidentrepair process better.

Collision vs. Comprehensive Coverage—What’s the Difference?

Auto body repair can get expensive quickly. So, whenever possible, you should have insurance coverage that can minimize or eliminate out-of-pocket expenses. That may lead you to look into collision coverage and comprehensive coverage. Which one do you need? Or do you need both of them?

Because Quanz Auto Body helps handle a lot of insurance claims for auto body repairs, we know a few things about auto insurance. Here’s what you need to know: Continue reading Collision vs. Comprehensive Coverage—What’s the Difference?

How to Protect Your Car’s New Paint after Collision Repair

Auto body collision repair is never anyone’s first choice for exterior vehicle enhancement. But, if you’ve recently been in an accident and had auto body work done, then your car may look in (almost) new condition. So how do you keep it that way?
To maintain the integrity and luster of new paint applied during the collision repair process, here’s what we suggest… Continue reading How to Protect Your Car’s New Paint after Collision Repair

It Was Just Minor Collision Damage…Why Is Repair Taking So Long?

After any collision that requires auto body repair, you know to expect your car’s going to be out of commission for at least a couple days…more for more serious damage. What takes “so long”? Here’s a peak at the process…it’ll help you understand why auto body repair can’t, isn’t and shouldn’t be done “lickety split.” Continue reading It Was Just Minor Collision Damage…Why Is Repair Taking So Long?

Guest Blog: My Daughter’s Car Was Rear-Ended. Here’s the Repair Story

It was every father’s worst nightmare: my daughter called me crying, saying, “Daddy, I’ve been in an accident.” After the initial panic, realizing the she was calling, so she was okay, I took a breath and prepared myself for the hassles to come…but they never came.

Roadside Recovery

I was the first call my daughter made, so I stayed on the phone with her while she waited for police to arrive. I coached her on the next steps— Continue reading Guest Blog: My Daughter’s Car Was Rear-Ended. Here’s the Repair Story

Top 3 Auto Body Repair Concerns after an Accident

Even if your car looks okay after an accident, you need to get your car to Quanz Auto Body ASAP. Some damage may be hidden and/or lead to future (more expensive) damage. When you bring your car to us, here are the top three things we look for:

#1: Drivability

After some collisions, assessing drivability is a no-brainer. If axles are bent or your car just won’t start, it’s not drivable. However, there are times when your car functions but it is not safe to drive, such as: Continue reading Top 3 Auto Body Repair Concerns after an Accident