GET! Check this site!
What is an automobile insurance supplement and how does it affect it? A great free car insurance comparison rate quote now.
Do you know what an insurance supplement is and how it can affect your vehicle in a repair shop?
It works like this:
Let's assume that your car had an accident and the adjuster of the insurance company gave you a quote to repair the car for $ 2,000. During the repair process, his body shop discovered that the radiator and battery are also damaged by the accident, but NOT in the original estimate.
Do not worry, this happens all the time. Whenever the damaged components are related to that accident, the insurance company will include them … and will pay the additional repair cost.
This can be called "hidden damage" and is very common.
Sometimes, the adjuster can not open the chest due to extensive damage, so it must allow additional or complementary repairs.
Sometimes, the adjuster simply looks at an item that needs to be repaired, or can not see any physical damage to that part at that time. Sometimes they are just in a hurry and they want the body shop to do the work and charge them for what they missed 🙂
Personally, I have my customers walk around the vehicle before the adjuster arrives at my shop and we check the pre-existing damage and the damage that occurred as a result of the accident. In this way, I can be sure to include as much damage in the original estimate as possible the first time.
Stolen vehicles are notorious for having many additional damages. Scratches, missing elements, such as cats and spare tires, are overlooked in the original estimate.
Terms you need to understand
Deductible: the amount of money YOU will have to pay for repairs if YOUR insurance company is paying the claim
Supplement: amount of additional damage that must be included in the original estimate
Improvement: things like tires and batteries that have already been worn out and used before the accident happened. You will be responsible for paying the part that was already used.
I hope this helps, get a free quote from multiple companies for free!
Video credits to TrustMyMechanic.com YouTube channel