If your vehicle is damaged in a car accident, it is natural to want to know how to get it repaired as soon as possible so that you can get back on the road. One of the first questions you’re likely to ask, “What will it cost to repair my vehicle?” This can be an intimidating question since most of us are not in the auto repair business and have no idea what it costs for parts, labor, or paint. When you file a claim, your insurer will often send out an appraiser who will investigate the damage. Keep in mind that this isn’t an instant solution, but it does take the necessary steps to get your vehicle back on the road.
Once you call your agent or insurance company and let them know about the accident, you will be able to talk to a claims adjuster. After you give your statement about the accident, and you have coverage for the damage, the adjuster will send out an appraiser to inspect your vehicle or you will need to take your vehicle to a certain body shop. The appraiser will take pictures of the entire vehicle as well as the damaged areas. The reason for this is so that the insurance company can be sure that they are only paying for damages from the accident, rather than wear and tear.
The auto estimate will break down what work needs to be done to restore the vehicle, as well as itemizing parts, repairs, paint time, labor, and tax. The appraiser will compare part prices to ensure they are in line with guidelines your insurance carrier uses for vehicle repairs. Once this estimate is generated, the work will commence. Keep in mind that the shop may find additional damages down the road when the repair work is being completed. If this happens, the shop will submit another estimate, which can slow down the process.
Make sure that you have an auto insurance policy that works for you. To get started on quality coverage, contact Abatelli Group, Inc., serving motorists in Whitestone and neighboring cities in New York.
As a renter, you may be tempted to skip the thought of purchasing renter’s insurance coverage. After all, you don’t own the space and you only have a few belongings – coverage can’t help you that much, right? Think again. All people who rent an apartment or condo should consider taking out a policy to protect their belongings, wallet, and more. Here’s why.
What does renter’s insurance cover?
Most renters are under the impression that the landlord is responsible for repairing and replacing their property after an incident, such as fire or theft. This is a costly assumption to make. The landlord will have insurance that covers the whole building, excluding your own personal property. This means that if you don’t have insurance, you leave your belongings and pocket vulnerable to risk.
Renter’s insurance covers:
Common perils include: