A Few Things to Know About Insurance-

1.     When purchasing insurance, increasing your collision deductible has a large impact on your premiums.  So by all means, set your collision deductible as high as you can afford in the event of a loss.

2.     On the other hand, increasing your comprehensive deductible has very little impact on your premiums.  For example, if you have a $500.00 comprehensive deductible and you reduce it to $100.00 you will probably see an increase of $30.00 annually.  Check with your agent for exact amounts, they may vary from company to company.  Comprehensive losses are things such as cracked windshields, deer losses and grocery cart dings.

3.     Another area to check on your policy is to see if you have rental car insurance.  In the event of a big loss you could be without your car for a month.  This insurance is very affordable.  Check with your agent for details and cost.

4.     On the subject of after market parts and your insurance policy.  Most policies have wording in them that will allow your company to figure after market parts on your damage estimate.  However, many insurance companies have ceased from using these parts.  If you have doubts concerning this simply ask your agent if in the event you were to have a loss, would your company figure these parts.  We here at Precision Collision try to negotiate with the dealers to be able to use OEM parts even if after market parts are on the estimate.  Even though this will give up some parts profit our main goal is quality of repair.

5.     In closing, the cheapest premiums are not always the best.  When shopping rates be sure the quotes you are getting are for the same coverages and deductibles.

Things You Should Know Before Having Your Car Repaired-

1.     Some insurance companies may want you to visit their claims center before having your car repaired.  If so, simply present their estimate to us and we’ll be happy to resolve any differences for you.

2.     Choose a body shop that has the latest technology in equipment to properly restore your vehicle to preaccident condition.

3.     Ask if the shop offers a repair warranty.

4.     Let us help you negotiate your claim with the insurance company.

5.     Some insurance companies are more difficult than others to resolve a claim.  However, we here at Precision Collision Center pride ourself on being able to handle claims with any company without putting the customer in the middle or sacrificing quality of repairs.