How Does Auto Insurance Work?

When you schedule collision repair in San Jose, your auto insurance will help cover the cost of your services. Auto insurance is designed to help protect you in the event that you experience a collision. With help from an auto body shop and your insurance company, you will be able to get your car back on the road in no time. Here is a closer look at what you need to know about how auto insurance works.

Proof of Financial Responsibility

When you are choosing an auto insurance plan, one of the first steps that you will take is proving your financial responsibility. While car insurance can help to pay for a majority of damages, you will need to cover some of the cost yourself. Many auto insurance companies require each one of their clients to meet specific financial requirements before they are covered by a plan.

Types of Coverage

Along with demonstrating your proof of financial responsibility, you will also need to choose the insurance plan that is right for you. For example, liability coverage will protect you in the event that you are responsible for the collision. Other types of insurance include collision insurance and comprehensive insurance. Your insurance representative can answer all of your questions about the types of insurance that are available to you.

Premiums and Deductibles

After you have selected the best type of coverage for your driving needs, your next step will be to calculate your premium and deductible. A premium is a monthly amount that is collected by your insurance company to help pay for the cost of repairing damage to your car. Your deductible is the amount that you will pay out of pocket for repairs at an auto body shop.

To learn more about repairing your vehicle after a collision, be sure to contact Michael J’s Body Shop of San Jose. We proudly provide our customers with a full range of dent repair and collision repair services, and we will help restore your car to perfect condition. Call us at (408) 279-3222 to set up an appointment for your car today.

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If you need to speak to someone immediately: please call 408-279-3222 or 408-279-2070. After hours call 408-410-5590 for assistance.

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What makes us different

  • Written lifetime warranty on all collision repairs
  • Extended business hours (including Saturday)
  • Reduced cycle time
  • Cost-effective labor prices
  • Free pick-up assistance
  • Rental car assistance
  • Bilingual capabilities
  • Strong partnership with vendors
  • Ability to e-mail repair estimates
  • Customer satisfaction guaranteed
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