What Are the Different Types of Collision Coverage?

Collision coverage is optional in most states, but like all insurance, it’s better to have collision coverage and not need it than to need it and not have it. Collision insurance covers expenses to repair or replace your vehicle if it’s damaged in an accident. In other words, adding collision coverage to your auto insurance policy will minimize your out-of-pocket expenses (or even foot the entire bill) if you’re involved in an accident and need major auto body repair . But which type of collision coverage is right for you? That depends on a number of different factors, but to help you choose here’s a look at the different types of coverage you can pick from.

Limited Collision Coverage

With limited collision coverage, your insurance pays for repairs only if you are half or less than half at fault for the accident (you are rear-ended, side-swiped, et cetera). You are responsible for paying the deductible on the coverage plan, and your insurance company will pay for repairs over and above the deductible.

Standard Collision Coverage

The biggest difference between limited and standard collision coverage is that standard collision coverage pays for repairs above and beyond the deductible if you are more than 50 percent at fault for the accident. With a limited collision coverage, your insurance pays nothing if you are found at fault.

Broad Form Collision Coverage

The difference between standard and broad form collision coverage is that with broad form collision coverage you do not have to pay the deductible if you are 50 percent or less at fault for the accident. Similar to standard collision coverage, broad form plans will also pay for repairs above and beyond the deductible if you are at fault.

If you’re involved in an accident, trust the repairs to the experts at Michael J’s Body Shop. We’ve built strong relationships with the leading insurance companies over our 20+ years in the business, and our administrative staff will help you file an insurance claim after an accident. Call us at (408) 279-2070 to learn more about our auto body and collision repair services.

What to Do After You Experience a Collision

A car collision is a stressful experience for every driver. While getting in a fender bender is the last thing that you want to have on your mind, it is important to be prepared for the unexpected. An auto body shop in San Jose will be able to provide you with the dent repair and auto body services that your car needs to return to drivable condition. In addition, your collision repair experts can also help you work with your insurance company. To help you prepare, read on to learn more about steps to take after a collision.

Move to Safety

One of the first steps you should take after being in an automotive collision is to move your car to safety. For example, if you are driving on the freeway, you will want to drive to the nearest exit, or off to the shoulder, if possible. Moving your car out of the flow of traffic will help keep you and other motorists safe and also prevent further damage to your vehicle.

Exchange Important Information

If other motorists were involved in your collision, you should be sure to exchange information with anyone who was affected by the accident. For example, you will need to obtain the insurance information, full name, and contact information of the vehicle’s owner. Additionally, you should also note the make, model, color, and license plate number of every car. This information will be used by your insurance company during the claims process.

Call for Emergency Services

Once you have obtained all of the necessary information from others involved in the crash, it will be time to call for emergency services. A towing company can arrive on the scene to take your car to the nearest auto body collision center. With the help of a team of certified collision repair experts, you can get your car back on the road again in no time.

For expert auto body repair in San Jose , trust the experienced collision repair technicians at Michael J’s Body Shop. With three locations to serve you, you can get the auto body repair you need to get back on the road as quickly as possible. To learn more, call us at (408) 279-2070.

Choosing a Body Shop Following a Collision

Whether it’s a minor fender bender or a major crash, dealing with the aftermath of a collision can be overwhelming. With everything you have to worry about, including police reports, insurance claims, and possibly medical bills for yourself or your passengers, it can be easy to ignore the two-ton elephant in the room—of course we mean your vehicle. But the sooner you get your car fixed, the sooner you can get your life back to normal. Dealing with a car wreck is stressful enough, so it’s important that you find a quality auto body repair shop in San Jose the first time to avoid any additional headaches. To help, here are some tips to finding a quality collision repair center in the Bay Area.

Look for the iCAR and ASE Certifications

These are two of the leading certifications for auto body shops in the United States. Certification by iCAR and ASE will give you confidence and peace of mind in the collision repair services offered by an auto body shop and the technicians it employs.

Ask About the Warranty

Reputable auto body shops will have no problem guaranteeing their work with a warranty, so be sure to ask about this upfront before allowing a body shop to work on your vehicle. If a shop isn’t confident enough in its work to offer a warranty, you shouldn’t be either.

Check References and Get a Written Estimate

If you really want to do your homework, ask for references and call them to learn about the experiences real customers have had in the past. You should also ask for an upfront written estimate so you know what to expect and so you can protect yourself against unexpected and unnecessary auto body repairs.

When it comes to auto body repair in San Jose, no one beats Michael J’s Body Shop . We have been exceeding the expectations of Bay Area car owners for more than 20 years. Visit our website to learn more about iCAR- and ASE-certified collision repair facility, or call us at (408) 279-2070 to speak with us about your auto body repair needs.

Choosing a Collision Shop

On average, a car owner may need to visit the auto body shop once every few years. If it has been a few years since you booked services at an auto body shop, you may be amazed at the recent advances that have taken place in the auto body industry. Auto body shops have updated their techniques and services in order to provide their customers with high-quality repairs that are performed quickly and in a cost effective manner. To learn more about choosing a collision shop, check out this video from Lauren Fix.

To schedule auto body repair in San Jose, do not hesitate to contact Michael J’s Body Shop. We are completely committed to the satisfaction of our customers , and we will restore your vehicle to pre-accident condition. Call us at (408) 279-2070 to book a service appointment today.

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