Does Car Insurance Cover Body Work?
Whether or not car insurance covers body work depends on the type of coverage you have and the cause of the damage. Most comprehensive car insurance policies will cover body work, but only if the damage is caused by a covered peril, such as an accident, theft, or vandalism.
What is Comprehensive Car Insurance?
Comprehensive car insurance is a type of coverage that protects your car from damage that is not caused by a collision. This includes damage from theft, vandalism, fire, hail, and other covered perils. Comprehensive coverage is optional, but it is highly recommended if you want to protect your car from all types of damage.
What Does Comprehensive Car Insurance Cover?
Comprehensive car insurance covers a wide range of damage, including:
- Theft
- Vandalism
- Fire
- Hail
- Falling objects
- Windstorms
- Floods
- Earthquakes
- Riots
- Civil unrest
Does Comprehensive Car Insurance Cover Body Work?
Yes, comprehensive car insurance covers body work if the damage is caused by a covered peril. For example, if your car is damaged in an accident, your comprehensive coverage will pay for the cost of repairing the bodywork.
What is the Deductible for Body Work?
The deductible is the amount of money you have to pay out of pocket before your insurance coverage kicks in. The deductible for body work is typically higher than the deductible for other types of damage, such as collision damage. This is because body work can be more expensive to repair.
How to File a Claim for Body Work
To file a claim for body work, you should contact your insurance company as soon as possible after the damage occurs. You will need to provide your insurance company with the following information:
- Your policy number
- The date and time of the damage
- The location of the damage
- A description of the damage
- Photographs of the damage
Your insurance company will then investigate the claim and determine whether or not it is covered. If the claim is covered, your insurance company will pay for the cost of repairing the bodywork, minus the deductible.
Conclusion
Whether or not car insurance covers body work depends on the type of coverage you have and the cause of the damage. Most comprehensive car insurance policies will cover body work, but only if the damage is caused by a covered peril. If you want to protect your car from all types of damage, it is important to have comprehensive coverage.
