Repairing Cosmetic Damage to Your Vehicle
If your car is damaged in an accident or in a non-collision incident, you may be eligible to receive payment from your insurance company for repairs to cosmetic damage on your vehicle. Cosmetic damage includes any noticeable damage to the vehicle that does not affect its function. This may include dents, scratches, or chips to the exterior body. Depending on the source of the damage, the repairs may be covered by different types of insurance on your plan.
Damage from a Collision
If the damage originated from an accident, the repairs for dents and scratches may be included in your collision coverage. Collision coverage insures your vehicle against damages caused to your vehicle when the other driver cannot be found to be at fault. The payment from your insurance company can be used to replace your bumper that was damaged in a fender bender, to fix a door dent caused by a minor accident, or to address other cosmetic problems.
Damage from a Non-Collision
Repairs for cosmetic damages that occurred in a non-accident situation may be insured under comprehensive coverage. Comprehensive insurance covers repairs to your car to fix storm damage, damage from vandalism, and other forms of non-accident damage. Hail dents, broken glass, and graffiti may all be covered under comprehensive coverage. If your car has been damaged in a non-collision incident and you have comprehensive coverage, you may be able to have all of the resulting cosmetic damage covered by your insurance provider.
To learn more about cosmetic car repairs and the types of car insurance that are available to protect you from collision or non-collision damage, contact the helpful Chicago car insurance experts of Insure on the Spot today at 888-972-SAVE.