Getting a bill for repairing your car can be quite traumatic. Add in the additional costs created if your insurance doesn’t cover everything, and you can end up in a difficult financial situation. As a result, it’s important to plan for the costs of repairing your car, even if you’re not involved in an accident for some time; this can include working with an experienced vehicle specialist such as Balgores, and making sure that you have the right insurance, and how to keep your car in the best condition.
Making Sure You Have the Right Insurance
Your top priority when dealing with repairs is to ensure that you have the right car insurance in place for your needs. If you only have third party insurance, you won’t be able to make a claim against damage to your own vehicle in an accident. Comprehensive car insurance is more practical if you want peace of mind when dealing with accidents and other problems with your vehicle. Although premiums are higher, you’ll potentially save yourself the full cost of making repairs.
Going with a Reputable Repair Company
It’s always worth comparing the market when it comes to finding a vehicle repair specialist that won’t charge you above the odds for your car to be fixed. Some of the best repair companies will offer comprehensive terms and conditions for your insurance provider, ensuring that you won’t be caught out. You can also look into finding a repair company that has special provisions for replacement parts and extra services such as breakdown towing and offering replacement cars.
Knowing Your Rights with Repairs
When getting repairs carried out, you should make sure that you understand your rights; this means checking that you have a written contract with a garage that specifies exactly what repairs you want carried out. You should also find a garage that meets the Motor Industry Code of Practice, and that is transparent when it comes to factors such as the time taken to complete repairs, and what services can be reasonably charged during this process.
Budget for Maintenance and Repairs
Even if you are a generally safe driver, it still makes sense to have money put aside for maintenance and repairs. Ensure that you have a budget for your car that includes space for carrying out minor repairs, and that is large enough to pay for insurance. Similarly, keep your car finances separate from other funds, so that you’re not tempted to use money set aside for repairs and maintenance for another purpose.
Some of the other ways in which you can reduce your costs when dealing with insurance can include taking the time to learn about your particular model – hold onto a car’s manual, or find one that matches up to a second hand model. Knowing more about your vehicle will make it easier to estimate repair costs and the value of replacement parts, and can allow you to prove your case against a garage that over-estimates a quote.
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