Hello, my name is Walter. Over the past few months, I have been working on my car. I never used to think much about my car. I would just jump into it and hit the road. Things were fine at first, but soon I realised that things were starting to go wrong. Strange white smoke started to appear from the exhaust. Sometimes when I changed gear, I could hear a strange noise. Foolishly, I ignored all of this until my car broke down. When I got to the auto repair shop the mechanic repaired my car and then gave it a full service. As he did so, I began my auto servicing education.
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You may already know that the law does not allow you to drive a car on any road without an auto third-party or comprehensive insurance cover. This is mainly to ensure that you and other road users are protected if an accident occurs. Here's what you need to know about auto insurance and insurance car repair:
Third-Party Versus Comprehensive Insurance
Third-party insurance is usually cheaper than comprehensive insurance because it only covers damage or injuries incurred by third parties (other road users). Additionally, it only covers up to a maximum amount, which is specified by the insurance company. If this amount is not enough to cover the repairs of a third party's property or medical expenses, you are required to cover the difference.
A comprehensive insurance cover caters to damage and injuries incurred by third parties and those you incur as well, hence the high fees; this is especially beneficial when you are responsible for the accident.
What Happens After a Car Accident?
Your car might, of course, get major or minor damage and you may also get injured. Your insurance company will cater to the medical costs for your treatment and also cater to the repair cost for your car. If the damage is too severe, the insurance company can reimburse you the current value of your vehicle at the time of the accident or the premium insured.
If your car needs repair, your insurance will recommend a repair workshop. It is important that you use the repair workshop recommended because the insurance company has done its research on it and identified that the auto repair workshop does quality repair work. This guarantees your car is repaired by professionals and at a fair cost.
Other Types of Insurance Car Repairs
If your car breaks down in the middle of the road, your comprehensive insurance may not cover the kind of damage experienced. Before getting a comprehensive insurance cover, check with your insurance company; you might require an additional insurance cover known as car repair insurance or extended warranty coverage.
Such a cover targets particular parts like the transmission system or some parts of your engine. Like comprehensive insurance companies, extended warranty coverage companies may also require you to take your vehicle to specific repair shops.
Can You Choose Your Car Repair Workshop?
Most car insurance companies may not allow you to choose a repair company, mostly because they want to guarantee you get quality services and fair repair costs. Learn more about insurance car repair today.
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