Looking for an Auto Body Shop to repaint your front end? Do you need a Quality Paint Job? Look no further! Check out this Porsche Cayenne we just repainted. Looks like new again! Ace Paint & Body Works have served the Orlando and Winter Park area for nearly 25 years. We know how to Paint vehicles! Come in today for a free estimate! Insurance claims welcomed!
Quality Auto Body Shop Winter Park – Ace Paint & Body Works – I got in an accident and I don’t want my rates to go up, do I pay out of pocket?
I got in an accident and I don’t want my rates to go up, do I pay out of pocket? If I make the claim, my rates could go up, but I don’t have the money to repair, what If there is more damage? Will my insurance drop me?
Let us help you with this equation!
All too often I’ll have a customer walk through my door worried about making an insurance claim because they fear their insurance rates will go up. Though this is a legitimate fear here’s when you should or shouldn’t make the claim. There are some situations you want to definitely make the claim and other situations where you don’t need to. I’ll help explain when you should or shouldn’t make the claim.
Now when we get sick, we usually see a doctor and we won’t ask if we should go outside insurance. The reason why is because the cost isn’t predictable. The same should be thought when thinking about repairing your vehicle that has sustained Auto Body Damage. Sure, we can write you up an estimate of what we think the costs will be to repair your vehicle, but once we start removing parts it’s very likely we’ll find additional damage. Almost 80% of the time additional damage is found. A rear end hit that only shows minor bumper damage can go from $500 to $2000 in a heartbeat if we have to end up replacing the bumper, rear body panel, and rear reinforcements. This is why we use Insurance, to cover costs that sometimes cannot be predicted.
Now there are also instances where additional damage is highly unlikely and the estimate is less than your deductible. Examples of this are minor fender benders, minor quarter panel damage, and also some door damage. Usually, there aren’t too many components involved when any of the previously mentioned parts are damaged so what you see is what is damaged. Now your deductible is $500 and the fender repair is also $500, it’s best you go outside insurance because it wouldn’t be worth risking rates going up with a repair cost that is equal to your deductible.
Now here’s the thing, if you have money saved up and you’re not worried about the estimate increasing, by all means, don’t make an insurance claim. There are some great insurance companies out there that will predict whether your rates will go up based on the estimate to repair your vehicle. Just remember though the estimate you give them may not be the final cost. Yes maybe taking risks is your thing and if it is, go you! It can be a confusing equation to figure out whether or not you need to make a claim or not, we will be glad to help!
If you’re curious what that Body Damage costs and you need help deciding whether or not to make the insurance claim, we would happily look at your vehicle at no cost to you. Ace Paint & Body Works have been serving the Orlando and Winter Park area for nearly 25 years. With a Lifetime Warranty, you can rest assure that the paint job will last!
Location: 7211 Gardner Street, Winter Park, FL 32792. Tel: 407 678 9100 Email: [email protected]
Winter Park Body Shop Ace Paint & Body Works – So somebody hit you and they want to avoid the insurance, now what?
So you were minding your own business and out of nowhere, you get into an accident that wasn’t your fault. Sure we know the Orlando roads are a nightmare with the constant construction and pesky international drivers who never seem to know which turn to take, but that’s not your concern. You get out of the car and the person who hit you wants to avoid insurance. The only person benefiting in this transaction is the at-fault driver. So they smooth talk you into thinking they will pay for the repairs and they seem super trustworthy. Don’t fall for it though! Call the police ASAP and get a police report showing who was at fault. I know it’s hard to do the right thing when a fellow human is pleading to you that if they get a ticket, this will happen, then that will happen and before you know it you’re letting them get away with it. These type of people feel entitled and will say anything to emotionally manipulate you to not call the police. The at-fault driver would not be pleading and begging you if they were reasonable people who care about more than themselves. We have seen this time and time again.
Now the person at-fault say they will pay to repair your vehicle to avoid insurance (because god forbid the at-fault person pays for their mistake!). The irresponsible driver is trying to avoid insurance so their rates don’t go up. Now, who does this benefit? Certainly not your car because it’s always best to go through insurance when it wasn’t your fault. The at-fault driver is now asking you to drive around to several shops to get the cheapest estimate (time-consuming). If an insurance company was paying for the job you go to one shop and you’re done. Some people love to shop around and that’s fine, but with the internet, you can do your due diligence in the comfort of your home before you even step inside an Auto Body Shop. You’ll be able to look at photos of the repair shop online, you can go to several websites such as Carwise, Yelp, or Google and check out the reviews before choosing a shop.
Now after looking at the gazillion reviews of Auto Body Shops in Orlando or Winter Park you get an estimate from a reputable Auto Body Shop and call the at-fault driver and they almost have a heart attack, why? because they just found out that “minor bump” will cost $1000 to repair and it looked like a “quick fix”. The perception of auto repair costs is undeniably a shocker to most people understandably. Most people don’t get into an accident and if they do it’s once every 15 years on average so they really have no idea how much something costs to repair. Body shops also get a bad rep because we are a “mysterious” trade unlike other trades and prices can vary ALOT and so can quality.
The other point that people don’t consider when wanting to pay out of pocket for the damage they caused is the vehicle rental cost (cars can be in the Auto Body Shop for a few days or up to a few weeks). Another cost that is always surprising is hidden damage costs. Not all the damage can be seen on the surface. Once you take a bumper off from a small bumper accident you can find additional damage that wasn’t anticipated. This is the reason why we pay for insurance, to cover the surprise costs that can’t be predicted. The point here is Paint and Body Work is a highly skilled craft that can be costly. Don’t trust a person who says they’ll pay for it because if they change their mind and realize they can’t afford to fix your car you have nothing to protect you if you never called the police.
THE BOTTOM LINE IS IF YOU GET HIT AND IT WASN’T YOUR FAULT, CALL THE POLICE! GET IT IN WRITING IT WASN’T YOUR FAULT TO PROTECT YOU IN THE FUTURE!