Should I Repair My Car or Keep the Cash?

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

  1. Repair your vehicle
  2. Keep the cash but don’t do the repairs

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

Actual Damage to Your Car

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

Knowing the extent of the actual damage requires disassembly and further exploration by a certified technician. Your insurance company’s estimate may not tell the full story.

Whether you can see the damage or not, if it would make driving the car dangerous, you need to repair your car. If the damage is purely cosmetic, then the choice is yours…but do keep in mind how cosmetic damage may affect resale value.

Who Really Owns Your Car

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

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 professional assess the damage so you can get the full picture and make the decision that is right 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

Standard warranties have bumper-to-bumper and powertrain coverage. They usually cover a specific number of miles or years.

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

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

What Affects a Warranty

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

  • Off-roading or racing
  • Maintenance neglect (e.g. failing to get regular oil changes or scheduled maintenance)
  • Vehicle modifications, including the odometer

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

An Accident and Your Warranty

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

  1. You use aftermarket parts on your vehicle for repairs
  2. Your car insurance declares your vehicle to be a total loss and they give it a salvage title

Quanz Auto Body can help ensure that your vehicle remains under warranty after an accident. We use OEM parts and will warn you about possible warranty issues if you opt for aftermarket parts. Contact us to make collision repair better.

Don’t Let Vehicle Damage Ruin Your Trip

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

Car Broken Down? Don’t Over-Pay for a Tow!

towingThere 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!

Why Is My Car Now “Totaled” if it Runs?

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.

Tow TruckWhat Total Loss Means

“Totaled” doesn’t mean that Continue reading Why Is My Car Now “Totaled” if it Runs?

When Is a Repair Actually a Restoration?

mechanicalRestoration 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.

Repair

When a car encounters Continue reading When Is a Repair Actually a Restoration?

Damaged Vehicles Aren’t Street Legal

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