So, you were involved in a vehicular accident and are now considering putting your car through a bunch of repairs. Luckily for you, you bought automobile insurance in Ohio long before the accident happened. There are a bunch of things you should know before you get those repairs done however, and these will help you make the most of your coverage.
Getting Repairs with Your Automobile Insurance in Ohio
- Check Your Deductible – When you buy automobile insurance in Ohio, you should expect to pay certain out of pocket expenses throughout the contract. The first of the payments you will ever have to make is called a deductible. This is an amount that you and your insurer will agree upon during the time that you come up with your policy. Your deductible needs to be paid for completely before your insurer starts to foot the bill for repairs and other damages. If for example you incur repairs worth $135 USD and your deductible is set at $200 USD, you can’t expect your insurance provider to pay for any of the costs. All of this will come from your deductible, which will then be reduced to $65 USD. The next time you avail of a repair and it exceeds your remaining deductible balance, you can get your insurance provider to pay for the difference between your balance and the cost of the repairs.
- Expect an Adjuster – When you decide to make a claim and avail of financial assistance from your insurance provider for damages and repairs, you should expect that they will assign an adjuster to calculate the expenses. If in case the damages they see are not worth more than your deductible, the adjuster will report to your insurer that they do not owe you financial assistance just yet.
- You Get to Choose the Repair Shop – Your insurer might suggest a few repair services and shops around your area for you to avail of repairs from but the ultimate and final decision will come from you. Now, if there is a disparity between the value your insurer agrees to pay and the fee that the repair shop of your choice estimates, you might have to pay for the difference. Unless of course you can come to an agreement with your insurance provider to cover the excess cost. The benefit of availing services from a shop suggested by your insurer is that their work is guaranteed by your insurance company.