Being in a car accident can be one of the most frightening experiences in a person’s life. Even if you are not injured, it is likely that you will be badly shaken up by the occurrence. As if being in the accident is not stressful enough, afterwards you need to take care of the business of getting your car back the way it was. This is an especially crucial when you use your vehicle to get back and forth to work each day.

Being Prepared is the Key

One of the best ways to deal with an auto accident is to be prepared. Suburban Auto Body provides a handy accident checklist that should be printed out and kept in every car in the St. Paul metro area as well as surrounding locations. One of the most important things you can do while you are still at the scene of the accident is to document everything.

Make a Record

Most cell phones these days are equipped with cameras that provide high-quality pictures. Use your phone to make a permanent record of the damage to all the vehicles involved in the accident. Not only is this information going to be invaluable to the auto body repair shop when they fix your car, your insurance agent will appreciate how thoroughly you recorded the scene.

Exchange Information

Be sure to get the information of all the drivers involved in the accident. This is particularly important in multiple car accidents when you might not have been struck by each of the cars. Suburban Auto Body’s accident checklist provides a convenient place to keep such information neat and organized.

Moving Your Vehicle

Being able to remove your vehicle from the scene of the accident is going to depend on how badly it is damaged. Even if it does not appear to be very heavily damaged, law enforcement might not allow you to drive it away from the scene. Give Suburban Auto Body a call as they can help you with free towing services to ensure that your vehicle gets the care it needs.

After the Dust Settles

After the accident scene is cleaned up and the dust settles, you need to go about getting your car fixed. Car crash repair experts, Suburban Auto Body, takes care of all makes and models of vehicles. From minor fender benders to more involved body and repair work, this St. Paul-based auto repair specialist provides the services you need to get your car back on the road quickly.

 

One of the most common things someone wonders about after an accident is who is going to pay for the car crash damage. Ultimately, this will depend largely on who caused the collision and the type of or lack of car insurance coverage.

When Another Driver Causes the Collision…

If you did not cause the accident and another driver did, then that other driver is going to be responsible for paying the auto repair shop for having your car repaired. Under most circumstances, that other driver will have auto insurance, which means that the car insurance company will actually be paying your repair shop.

If that driver does not have insurance, then your insurance may pay the auto body repair shop. Of course, this is only if you have collision coverage. If you do not, then you can always pursue legal action against the uninsured driver who caused the accident to get them to pay up. However, this can often be difficult since the driver probably doesn’t have the money to pay for your repairs or he or she would have car insurance.

If neither of you have auto insurance, then the at-fault driver is responsible for coughing up the cash to pay for your car accident repair. However, again, it’s not easy to collect money from someone who simply has no money to give. Therefore, you’ll probably be sending your own bank account into the negative in order to have your car repaired. You can always see if you can work out a deal with the car accident repair shop to pay out the costs.

When You Are Responsible for the Collision…

As long as you have collision coverage with your auto insurance company, you are covered. This is true even if you were the at-fault driver in the accident. This is because collision coverage is considered to be no-fault, which means what your insurance will pay for any repairs needed as long as you shell out the deductible. If you do not have collision coverage and you caused the accident, then you will have to pay for the repairs out of your own pocket.

Again, whatever your circumstance is, you may want to consult with the auto repair shop and see if there is something that you can work out with them. Some shops may let you pay the repairs out or come to some other agreement with you. However, this is not always the case. Some will require that the cost of repairs be paid in full before your repaired vehicle is released to you.

After a car accident, one of the first steps is having your car inspected for damage and receiving an estimate on how much it will cost to have it repaired. However, this is where a lot of car owners make mistakes. Here are three tips to make sure the process doesn’t turn bad for you:

1. Don’t Skimp on the Quality of the Quote.

When you go to obtain quotes for your car crash repair, don’t get quotes from auto body shops that you have no intention of using. Make sure to ask around and find out about their quality of repair work. You want to use a repair shop that has qualified technicians that will produce quality work. Checkout the Suburban Auto-body Testimonials.

Don’t forget to also make sure that the quote you are given is going to fully and sufficiently repair the entire car so that it is (almost) back to new. The last thing you want is to find out at the last minute that the estimate that you received at the beginning of this process is unable to adequately cover the cost of the repairs.

2. Keep an Eye Out for and Avoid Low Ball Estimates.

Believe it or not, this is very common – not everyone has your best interest at heart. In fact, this is why you want to get multiple quotes from different auto body repair shops. The lowest repair isn’t always the best. In many cases, the lowest estimates stem from a less-than-thorough damage inspection and a low-quality work product.

3. Keep the Insurance Company on Their Toes.

The insurance company will try to stall the process for as long as they can. It’s not their car that needs to be repaired. It isn’t the insurance company who needs to get their kids to and from school and themselves to and from work. Therefore, they aren’t as worried about it as you are.

If you have given them ample amount of time to inspect your vehicle and request estimates, and you already have your own quality estimates, you may want to go ahead and get the car repaired. Keep all the receipts and invoices so that you can get reimbursed for the repairs. This isn’t always the best options because it may cause even further delays by the insurance company.

If you can’t afford to do this, then keep calling them until they get a move on your vehicle. There are a number of reasons that the insurance company wants to settle as quickly as possible. For starters, they will be paying for your alternative transportation until they pay for your car to be repaired.

If you’re looking for a world-class, high-quality auto body repair shop in the Twin Cities area, then look no further than Suburban Auto Body here in St. Paul, MN. We strive to produce quality work at an affordable rate and in the quickest manner possible so that you can get back to your daily life. Give us a call today for a car crash repair quote!

Whether your vehicle has suffered significant hail damage or you’ve been involved in a collision and your car is completely wrecked, you need to have it repaired quickly. At the same time, it needs to be repaired the right way. Therefore, when searching for a reputable and reliable auto body and collision repair shop in the Twin Cities area, it is crucial that you ask at least these five questions:

1. Do You Offer Any Kind of Warranty on Your Work?

Most auto body repair shops will offer at least some level of warranty on their work. If they do offer a warranty, find out how long the warranty lasts for and what exactly it covers. The more details about the warranty you can get, the better of you will be. If they don’t offer a warranty, you may want to consider a different auto body and collision shop.

2. Do You Provide Loaner or Rental Vehicles?

It is a major inconvenience to be without a vehicle, especially for several days or even weeks. Therefore, you need to find out if the auto shop will loan or rent a vehicle to you to use until your car is ready for pick-up. Some will have this option while others will not. In some cases, you may be able to get a discount at a local car rental place if you do business with a certain auto body shop.

3. Do You Have Fire and Theft Insurance?

You never know when a business is going to get vandalized, trashed or catch on fire. Therefore, you need to make sure that the auto body repair shop where you are leaving your vehicle has adequate insurance to cover these types of instances. You have a big enough mess on your hands as it is and you most certainly don’t need to add to it.

4. How Long Will the Repair Take?

There are a number of contributing factors when it comes to determining the length of time it will take for your vehicle to be repaired after it has been damaged. These factors include the extent of the car’s damage, how busy the shop is, the time of year it is, etc. Regardless of the factors, it is a question you need an answer to.

5. Will the New Paint Match the Rest of My Car?

As a general rule, there is a paint code somewhere on your vehicle that the auto body shop can locate and use to order new paint from the manufacturer. This ensures it matches your car perfectly. You want to make sure that the shop does this instead of using a similar color. Otherwise, it may not match up.

It may take a bit of time to ask these five questions, but they are important to ensure that you get the most bang for your buck. If you have any questions at all, please don’t hesitate to contact Suburban Auto Body.

Call Us At 651.633.8900