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!

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?

Car Insurance Myths and Facts

Car insurance may be one of the biggest mysteries of the modern automotive world. What is/is not covered varies with every single policy, every single driver. If you don’t do your own research, it’s easy to believe that what’s true for someone else is true for you…and that leads to a lot of myths that need to be corrected.

Myth #1: Every accident will raise your premiums.

It is actually possible to be in a car accident, get damage repaired and Continue reading Car Insurance Myths and Facts

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!

How Does Our Claims Coordination Help You?

Getting into a car accident is traumatic enough on its own without struggling to deal with the insurance company. Most people get into an accident just once or twice in their lives, and they’re hardly experts at handling insurance claims. That’s why it’s important to have someone on your side who can help you navigate the process of getting your car repaired – and that’s why Quanz Auto Body offers Continue reading How Does Our Claims Coordination Help You?

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?

A Work in Progress: The Collision Repair Process, Part 1

Sometimes the scariest part of any experience is not knowing what’s going to happen. And from talking to our customers, we’ve found that’s true of collision repair. People are afraid to turn over their cars because they don’t know what work is needed, how long they’ll be without their trusty ride and if the repairs that get done are necessary and done right. Well, we’re here to put your mind at ease by walking you through the collision repair process step-by-step, starting with what happens before we even start the actual repairs. Continue reading A Work in Progress: The Collision Repair Process, Part 1

Major vs. Minor Collision Damage

In the auto body world, there is still a difference between major and minor collision damage, but you’re not likely to see it reflected in the bill any more. Today’s cars are mostly built with unibody frames, made of lighter materials and designed to absorb impact—great for safety and fuel efficiency, not so great when it comes to repair. Knowing the difference between major and minor collision damage and what it takes to repair it may help you understand your quotes and why even fender benders can cost over $1,000 to fix. Continue reading Major vs. Minor Collision Damage

Uninsured Motorists

Albuquerque’s poor reputation when it comes to traffic safety isn’t the only challenge drivers face on New Mexico roads. On average, chances are one in seven that if you’re involved in a collision, the at-fault driver will be uninsured. In New Mexico, your chances may be even higher considering we live in the state with the highest uninsured motorist population—29% of drivers don’t have minimum liability insurance, even though it’s required by law. Continue reading Uninsured Motorists