What You Need to Know When Buying Auto Insurance

We all hopethat we’ll never be in a car accident. But the reality is, whether it’s anaccident or a chip in your windshield, something will probably happen to yourcar over its lifetime that will require filing an insurance claim. Hopefullyyou have the right coverage.

If you’re inthe market for auto insurance, there are a few things you need to know aboutyour car and your car use that can affect your policy and premiums:

Continue reading What You Need to Know When Buying Auto Insurance

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!

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