Having a vehicle comes with expenses, ranging from fuel costs to routine maintenance. One expense you may be unfamiliar with is auto body repair. According to Grand View Research, the global automotive collision repair market size was $185.98 billion in 2020. If an accident or other event causes damage to the exterior of your car, then you'll need to determine if insurance coverage will apply. Read on for more insight into insurance and auto repair.

What Type of Coverage Do You Have?

The most important factor in determining whether your insurance will cover auto body repair is to check the type of coverage you have. Generally, comprehensive collision coverage will cover damage to your vehicle's body. Liability coverage, on the other hand, only covers damage that you cause to other vehicles.

Does Insurance Cover Damage Caused by Natural Disasters?

In some cases, your insurance coverage may apply to damage caused by natural disasters. If you experience damage to your car's body due to an earthquake, hurricane, or another natural event, you may be able to file a claim with your insurance provider. However, you should note that some insurers may require you to pay a deductible before covering the cost of such repairs.

How Much Will Your Insurance Cover?

The amount your insurance company will cover varies depending on the coverage you have. Generally, most comprehensive policies will cover up to the amount listed in your policy, minus any applicable deductible. Some insurance companies may have limits on the amount they will pay for auto body repairs.

What if the Damage Is Caused by Another Driver?

If another driver is responsible for your car's damage, then you may be able to file a claim with their insurance carrier. In this case, their insurer will typically cover the cost of repairs up to the policy limits. However, if the other driver's policy doesn't have adequate coverage, you may be responsible for paying out-of-pocket costs.

Determining if your insurance will cover auto body repair can be a challenging task. It's important to understand what type of coverage you have and if it applies to the damage done to your vehicle. Vehicle accidents can result in heavy expenses, so make sure you have the most comprehensive coverage. Call Friendship Paint & Body Shop today for more information on how we can repair and restore your vehicle.