Car accident repair in Knoxville TN
Understanding how the claims process works and what your insurance covers is essential when dealing with car accident repair. Each accident is different, and every insurance policy has specific terms. That’s why it’s important to know what falls under your coverage and what does not.
Car Accident Repair and Insurance: What You Need to Know
Before moving forward with car accident repair, you should understand how your state’s insurance system affects your claim. Since laws vary, your location determines how claims are processed.
Fault vs. No-Fault States
In the U.S., car accident claims fall under two main systems: fault-based and no-fault.
Fault States: If you live in a fault state, the at-fault driver’s insurance covers damages. That means you can file a claim with your insurer or the other driver’s provider. States such as Maine, New Hampshire, and Vermont follow this system.
No-Fault States: If you are in a no-fault state, your own insurance covers car accident repair, regardless of who caused the accident. States like Massachusetts and New York follow no-fault rules, though specific regulations vary.
Collision Coverage for Car Accident Repair
When an accident happens, car accident repair costs can be significant. However, collision coverage helps pay for damage if your vehicle collides with another object or car. This coverage applies to:
- Accidents in Knoxville TN involving other vehicles
- Single-car rollovers
- Collisions with stationary objects, like fences or trees
- Pothole-related damage
Since collision coverage applies to many types of incidents, it’s a valuable option to include in your policy.
Auto repair in Knoxville TN
Comprehensive Coverage and Car Accident Repair
Sometimes, damage isn’t caused by a crash. Instead, other incidents, like theft, weather events, or vandalism, can lead to car accident repair. Comprehensive insurance covers these situations, offering protection against:
- Theft
- Fire
- Hail damage
- Falling objects
- Animal collisions
If you lease or finance your vehicle, comprehensive and collision coverage are often required. However, neither of these policies covers damage to another driver’s car or medical expenses. That’s where liability insurance comes in, covering the cost of injuries and property damage if you’re at fault in an accident.
Essential Car Accident Repair Tips
Dealing with car accident repair in Knoxville TN can feel overwhelming, but knowing your rights and options makes the process easier. Here are some key tips to keep in mind.
1. You Can Choose Your Own Auto Repair Shop
Many drivers assume they must use the repair shop recommended by their insurance provider. However, that’s not true. While insurers may suggest certain shops, the final decision is yours. Choosing a reliable and trusted repair shop ensures your car receives the best care.
2. Compare Multiple Repair Estimates
Getting multiple estimates before committing to car accident repair helps you make an informed decision. Some auto repair shops may charge significantly more, while others might offer a lower price but use inferior parts. Instead of picking the cheapest option, focus on the quality of work and reputation of the shop.
3. Check Whether Your Insurance Covers OEM Parts
When repairing your car, the type of replacement parts used matters. Some insurance policies cover only aftermarket parts, which are produced by third-party manufacturers. However, OEM (Original Equipment Manufacturer) parts are made by your car’s manufacturer and are often the best fit. If you lease your vehicle, your contract may require OEM parts, so always check your policy before approving repairs.
4. Your Auto Shop Can Handle Insurance Communication
Navigating insurance claims can be frustrating. Thankfully, most reputable repair shops can handle insurance-related paperwork on your behalf. Once you start the claims process, your repair shop should coordinate everything from the estimate to final billing. This ensures a smoother car accident repair experience.
5. Ask to Be Notified If Additional Damage Is Found
Sometimes, mechanics uncover hidden damage while working on car accident repair. If that happens, they must report the issue to your insurance company for approval before proceeding with additional repairs. Always request to be notified of any new findings to avoid unexpected charges. Consult Miller Brothers Transmission Auto Repair and Body Shop for more details.
If you need car accident repair, it’s crucial to choose a shop that provides high-quality service and works with your insurance provider. Miller Brothers Transmission Auto Repair and Body Shop partners with local insurers, including Geico, to offer expert repairs. Contact us today to get your car back on the road.
Miller Brothers Transmission Auto Repair and Body Shop
7123 Tazewell Pike
Corryton, TN 37721
865-689-5072
