I work at a pretty rough school and getting my car keyed is, unfortunately, one of the hazards of the job. It can be a little pricey to get it repaired, but it doesn't tend to be worth it to claim it back from insurance, particularly if it happens a few times a year. Luckily there is a great auto body and paint shop near me which does a really quick and good quality job of fixing the damaged. This blog is all about repairing key damage to a car, and might be handy for someone who needs to get auto damaged repaired quickly.
Getting your car repaired after a collision can be a hassle and very inconvenient under any circumstances, and even more so if you don't understand how your insurance coverage affects those repairs. Your car insurance agent can answer questions about your policy in particular, as can someone at a shop that manages insurance repairs. Note a few misconceptions you might have about the process before you even make an appointment for repairs.
Covering the full cost
Apart from your deductible, you may assume that your insurance company will pay the full cost of repairs, but this isn't necessarily true. For example, very old parts that need to be replaced may only be partially covered.
As an example, if you have an older car and it needs a new radiator after a collision, the insurance company might not reimburse you for the full cost of a brand new radiator. You may only get reimbursed for the value of your old radiator or the value of a used radiator of the same approximate age and condition. This will vary according to each insurance carrier and policy, but it's good to find out if this is the case for your policy so you know what to expect by way of reimbursement after your car is repaired.
Which shop to use
You are not typically obligated to use the repair shop recommended by your insurance carrier in order to get reimbursed for repairs. However, your insurance company may have some restrictions and requirements for you to be reimbursed; this typically includes only using a licensed repairperson and not a friend, as an example. Check on this or other such requirements before making an appointment, but don't expect that you need to visit a certain shop or dealer for your repairs to be reimbursed.
Safety after repairs
It's a common misconception that your car will never be the same after a collision and needed repairs, but this is untrue; in some cases, it can actually be safer! New parts as well as the materials and methods used to repair a vehicle can make the car frame stronger and less likely to crumple in a future collision. New tyres, steering components, brakes and other such parts can also increase the car's overall strength and safety.
Don't put off repairs because you don't think you'll be reimbursed or assume the work will somehow be bad for your car, but rest assured that a good mechanic will actually make your car better than it was when you brought it into their shop.