You’ve been inan accident and have been given an estimate for repairs to your car from theinsurance company. Now you have two options:
- Repairyour vehicle
- 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!
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?
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:
- Youuse aftermarket parts on your vehicle for repairs
- 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.
There’s a lot of summer fun to be had outside, but most vacation and stay-cation destinations require driving to get there. That means that summer fun comes with the possibility of an accident. But an accident doesn’t have to ruin your trip. If you take the time to equip yourself with information about your insurance coverage and have the insurance claims management specialists at Quanz Auto Body to back you up, you can salvage your trip.
What You Need to Know before You Go
The best safeguard against accident-smashed vacation plans is knowledge of your insurance coverage. Before your leave home, review your auto insurance policy (call your agent if you have to) to find out: Continue reading Don’t Let Vehicle Damage Ruin Your Trip
There are few things more inconvenient than a car that won’t run. Whether the problem is mechanical or the result of a collision, a broken-down car can be a real hassle. That’s why it’s important to know about your towing options in advance – so the next time you’re stranded with a non-drivable vehicle, you won’t be stuck trying to find a reputable towing company. Continue reading Car Broken Down? Don’t Over-Pay for a Tow!
You have probably heard the phrase “totaled” before, as in “That accident totaled my car.” You may have even experienced it for yourself. However, what many drivers may not realize is that a car doesn’t have to be irreparably destroyed to be considered a total loss – and you may be unpleasantly surprised by your insurance company’s decision to total a car that can still drive.
What Total Loss Means
“Totaled” doesn’t mean that Continue reading Why Is My Car Now “Totaled” if it Runs?
Restoration is a form of repair, isn’t it? So what separates repairing a car from restoring it? If your classic car is caught in a collision, are you going to need a restoration or a repair? Some people use the terms interchangeably, but there’s a very specific difference between repairing a car and restoring a car.
When a car encounters Continue reading When Is a Repair Actually a Restoration?
Just because a car still runs doesn’t mean it’s legal to drive. Some types of damage are qualified as putting a car into dangerous condition. This car is considered a threat to the safety of other drivers. If you have any of the damage listed, you need to have it repaired immediately. Not only will this keep you from being ticketed, it will keep you from becoming involved in an accident due to impaired vision or causing damage to someone else’s car. Continue reading Damaged Vehicles Aren’t Street Legal