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Should You Get Collision Coverage?

Collisions are stressful and overwhelming on their own. Now imagine being involved in a collision, not having collision coverage on your vehicle, and having to pay for the damage to your car out of your pocket. We say “no thanks!”

Collision coverage is a type of insurance that covers accidents with other motor vehicles as well as objects like fences or trees. Important to note, collision coverage does not cover everything, i.e. medical bills or damage to your car that isn’t a direct result of a collisions (hail storms, break ins, etc.).

When adding collision coverage to your insurance policy, you should consider your deductible, which is the money you are responsible for paying prior to your insurance coverage kicking in. When thinking about your deductible there are a few things to take into consideration: monthly cost or premium, risk-level for you as a driver (teens have a higher cost because they are considered a higher risk), your driving record, and your car and situation. Consider how old your vehicle is and its worth to you.

Depending on how old your car is, sometimes collision coverage just isn’t worth it. Why? Insurance companies only pay fair market value for damage done to your vehicle. Generally, if your car is more than 10 years old, this is when you should consider dropping the coverage to save money.

There are some instances where you can’t drop collision insurance, such as when financing or leasing your vehicle. Only when you own it outright can you make this choice.

Finally, look at your emergency savings. If you have little to no savings and would be lost without your vehicle, you may want to keep collision coverage just to be safe.

If you have any questions about collision coverage or you’ve been in a collision and need your car to be repaired, call one of the members of Your Hometown Body Shop today.

Bent Car Frame | Your Hometown Body Shop

How Can I Tell If My Frame Is Damaged?

You should always take your car to an auto body shop after an accident regardless of whether there is an appearance of major damage or not. Major problems like frame damage can go undetected and if you wait too long after a crash, you may find an issue with getting your insurance to pay for the collision repairs.

Alignment Assessment

Your vehicle’s alignment can be disrupted with a bent frame. Does your car pull to one side? Do you have to turn your steering wheel in order to drive straight. If you’ve recently had your alignment fixed and the problem is persisting, it could be a sign of frame damage.

Tire Track Evaluation

If your vehicle has a bent frame, you may notice that it “crab walks” – this happens when the rear tires don’t follow in line behind the front tires. If you aren’t sure if this is happening, get all four tires wet, drive it straight across dry pavement, park your vehicle, and observe the tracks.

Parts Assessment

The frame of your vehicle is its foundation. If it is bent, many other components may not fit properly. You may notice this if you try to open and close a door unsuccessfully or if the body panels don’t line up properly.

If you have any questions or concerns about your vehicle’s frame, call one of the members of Your Hometown Body Shop today!

Driving in the Rain | Your Hometown BodyShop

How Much Do Car Insurance Rates Go Up After an Accident

Being in a car accident can leave you shaken up, but fortunately that feeling will slowly wear off over time. Unfortunately, the next time you open your car insurance bill, you may be shaken all over again.

Once you’ve reported an accident to your insurance company, your rates may increase. The increase will depend upon a few factors including the severity of the accident, damage incurred, who was at fault, and your driving history.

If you were not at fault, your insurance company may not choose to raise your rates. However, if you’ve had several accidents, even no-fault, you may see a rise in your bill.

If your insurance rates do go up, you may see anywhere from a 3% to 50% increase over what you were paying before the accident. This is a wide range because there is no way of knowing the true figure without knowing the specific details of the accident and your driving record. Your agent can give you the exact figure.

While an increase in your car insurance rate may be inevitable, there are a few actions you can take to keep them as low as possible. Some insurance companies offer Accident Forgiveness where they will overlook your first accident and leave your premium alone, however every company is different so it’s important to ask your company how that works. You can consider increasing your deductible – the higher the deductible you choose, the lower your premium will be. Drop unnecessary coverage if your car is older. You can see if your insurance has other discounts like good students, higher levels of education, packages if you bundle, and multiple drivers. Take a driving class! Many insurance companies will lower your rates if you attend a safe driving class and it’s a good opportunity to sharpen your skills and remind yourself exactly what the laws are.

You can always shop around – not all insurance companies are the same and some will hold an accident against you more than others.  With the right knowledge of car insurance providers and policies, you should be able to keep your rates low enough that you can get back on the road after an accident!

If you have any questions about your collision repair, call one of the member shops of Your Hometown Body Shop today!

 

ASE Certified Mechanics

Hidden Damage Found During Repairs

A car accident can lead to hidden auto body damage found during repairs. Damage during a collision can range from superficial dents and scratches to significant internal destruction.

After your vehicle is involved in a collision, an inspector with your insurance company will perform a scrutinizing visual inspection of the damage sustained. This only estimates the damage from a visual standpoint and hidden damage can often later be uncovered by the collision center when working on your vehicle.

Once the collision center has begun the repair process by removing damaged areas of the vehicle, they are able to diagnose any additional damage sustained by the vehicle. If hidden damage is revealed, the collision center should contact you immediately to alert you of the findings. After this, you should contact your insurance company to inform them of the damage uncovered by the body shop.

A representative will re-inspect the vehicle at the collision center to provide a supplemental estimate, which takes into consideration the hidden damage discovered. The inspector from the insurance company will discuss a cost with the auto body shop that works for both parties. Once negotiated, the supplemental estimate should cover the cost of any additional damages found.

A visual estimate is just an estimation of cost. It is impossible to know in advance the exact cost of the repair. The member shops of Your Hometown Body Shop work with insurance companies to make claims easier for our customers. You can rest assured that putting your car in the hands of a responsible and reputable collision repair center, like one of our member shops, will ensure your vehicle back on the road as good as new.

preserve your car

How to preserve your car

On average, as soon as a car is driven off the lot, it loses around 20% of its value. Depreciation happens and there is nothing anyone can do to stop it, but there are measures to take to slow it down!

Regular Maintenance
Consistent oil changes can ensure your car’s engine will last for a very long time. Regular maintenance also includes changing brakes and tires, either of which left unattended can cause significant wear on suspension and your steering system.
If Something Breaks, Fix It!
Fix the small stuff so that it doesn’t turn into something more significant, costing you much more money down the road. Stroebel Automotive makes a trip to the shop simple and relatively pain-free!

Keep Your Service Records
You want to know a car’s history when buying a used vehicle, and the service records are the best way to know exactly what has happened to the car internally!

Keep Your Car Clean
Outside appearance makes a difference in resale value, as does keeping up with the interior. A well-maintained interior shows that the car has not been abused in some irreversible ways.

Keep the Car to Factory Specs
Modifying the vehicle can deter someone from purchasing your vehicle. To improve your chances of selling the vehicle quickly at a good price, you should keep it as close to factory specs as possible. More buys are inclined to purchase a car that has been kept original.

Don’t Push the Vehicle to Its Limits
Turning too fast, too abrupt, braking too late, etc. are all things that can weaken the vehicle and chip away at its life. If you want the car to last, don’t put it past its limits and use the car the way it was intended.

Keeping resale value intact is hard work, but if you take care of your vehicle then you’ll have a car that’s in great shape when you’re ready to sell.

Free Estimates Auto Body Repair

Car Value Depreciation After An Accident

The value of a car depreciates after an auto accident, but how do insurance companies determine that value? The total depends on the type of car and the accident history of that car. The car’s value can decrease by its diminished value, which is calculated by the insurance company when they send an agent to come and assess the damage.

Diminished Value and the 17c Formula

Diminished value is the monetary difference between what the car was worth before the accident happened and what it is worth after the accident happened. Insurance companies determine the diminished value of a car by using what is called the 17c Formula.

The Formula originated in 2001 in Georgia following a lawsuit that obligated State Farm to pay out more than 25,000 insurance claims. In order to do this efficiently, the 17c Formula was created as a simple way to standardize the calculations across all of the claims. The Formula worked, and now close to all insurance companies use it as the way to determine the value of cars after a wreck.

Is The Formula Accurate?

Some see the Formula as inefficient given that it calculates the loss of value equally among all types of makes and models, meaning a crashed Ferrari is appraised the same way as a crashed Ford Focus. Insurance companies ultimately give less than what they really should with diminished value checks. Often, the total should be in the thousands but motorists receive checks for hundreds. There are several online resources that provide the formula for consumers to calculate their vehicle’s value.

Is There Another Way To Evaluate My Car After An Accident?

Insurance companies may come to you with an extremely low offer, but you can refuse it and hire a private appraiser to come and look at the wrecked car. Once you have that appraisal, you can go back  to the insurance company and counter their original offer.

It’s important to understand your insurance policy and rights before agreeing to the price your insurance company gives you. If you have any questions, please feel free to contact one of the members of Your Hometown Body Shop.

Automotive PaintAutomotive Paint Color Matching | Your Hometown Body Shop

What Affects Automotive Paint Color Matching?

There are a few factors that make matching color a difficult task. First let’s take a look at what makes up the paint. The basic ingredients in automotive paint are resin, pigment, and solvent. Resin holds together the pigment, provides adhesion to the surface applied, and determines the quality and paint durability. Pigment comes in powder form, and the aftermarket auto paint mixing system includes roughly 100 colors or toners to mix formulas, including pearl and metallic paint colors. Solvent provides transferability; without it the paint would be too thick.

When the auto paint manufacturer mixes these three elements to create a formula for the standard color, they are allowed a tolerance of plus or minus 5% when the paint is delivered. This percentage can make a big difference and actually cause two of the same vehicles to look completely different in color.

Temperature when painting, paint film thickness, time between coats, speed and type of paint spray gun, surface type, and humidity can all factor in differences in auto body paint color shade.

Sunlight is another factor to consider when color matching. A car exposed to sunlight for years will have begun to fade in color.

There are a lot of factors to consider when trying to match autobody paint color. The members of Your Hometown Body Shop are all well versed in the latest painting technology and techniques to get your vehicle looking brand new. If you need automotive painting services, call one of the members of Your Hometown Body Shop today!

Auto Body Damage Baycity Area Hometown Body Shops

The Do’s and Don’ts After a Collision

Let’s throw a hypothetical out there. So you get into an auto accident, regardless of it was your fault or not it still happened and now you have some decisions to make. This is a helpful guide to some good and not-so-good things you can do after you find yourself in an auto collision.