What just happened, you have been involved in an automobile collision. Whether the damage to your vehicle is mild or major, the professional team at Meriden Collision Center will make your car look like new again. Touted by some as the “Best Auto Body Shop in Lexington Kentucky” their I-Car and ASE certified technicians have the expertise to insure your car is repaired using only insurance certified parts. Speaking of insurance, let’s talk about what and who pays for your car repairs.
In collisions involving more than one vehicle and driver, determining who caused the accident will determine whose insurance pays for repair of the vehicle. Generally the insurance of the person who is at fault will pay for vehicle collision repairs. If they are uninsured, your insurance may pay for the repair if you have collision coverage.
When you purchase auto insurance, you are generally provided with a document that is many pages long. You read every page, didn’t you? Well most of us don’t and trying to figure out what the small print says when you are already stressed because of a recent collision can be frustrating. As you prepare to have your vehicle fixed, here are a few basics on car insurance as it relates to vehicle repair.
Most states require that you carry liability insurance. Liability insurance pays for bodily injury or property damage when you are at fault in an accident. It does not cover you or your vehicle, but covers the vehicle or injuries that were incurred by the other party as a result of the collision.
If your policy has collision insurance, it will pay for collision repairs to your vehicle after it has been involved in a collision. This coverage is not required by most state laws, it is optional coverage although generally required if you leased your vehicle or have a car loan.
Comprehensive Insurance is optional insurance that will cover damage to your vehicle other than that caused by a collision. Generally covered are fire, theft, natural disasters, and damage caused by falling objects such as tree limbs.
Similar to an extended warranty offered by car dealerships, mechanical breakdown insurance covers mechanical repair several major areas in your car such as the transmission or the electrical system. This coverage is optional.
Your insurance company will want estimates on your vehicle collision repairs. This generally means transporting your vehicle to a body shop, or two, and more lost time from your normal activities. Meriden Collision Center knows that your time is valuable. We are the only collision center that offers Auto Body Repair Mobile Estimates. If you can’t bring your vehicle to us, we will come to you, take photos and make notes on your accident, and then follow up with your insurance company so that you don’t have to. For all of your collision repair needs in Lexington, call Meriden.
Also offered at our Gold Rush Road location are like-new used cars, auto detailing, headlight repair, and windshield replacement.
