Is Frame Straightening Covered By Your Insurance

When your vehicle gets into an accident, one of the most significant concerns is structural damage. Among the various types of damage, frame bending or misalignment is both common and costly. But before you start worrying about repair bills, it’s crucial to know whether frame straightening is covered by your insurance. In this listicle, we will break down everything you need to know about frame straightening coverage under your auto insurance policy.

By the end of this read, you’ll be well-versed in:

• Understanding the scope of your insurance policy
• What questions to ask your insurer
• Helpful tips to ensure your claim is processed smoothly

1. Review Your Auto Insurance Policy

First and foremost, dig out that dusty auto insurance policy document. This is where you’ll find the specifics regarding what types of damage are covered. Typically, comprehensive and collision coverage will list structural repairs, but it’s essential to read the fine print.

Example: “Tom checked his policy and found that his comprehensive coverage included structural repairs, saving him $1,500 on frame straightening costs.”

Tips

• Look for sections on “collision” and “comprehensive” coverage.
• If you’re unsure, call your insurance provider for clarification.

2. Understand Collision vs. Comprehensive Coverage

Collision coverage generally pays for damage to your vehicle resulting from a collision with another car or object. Comprehensive coverage, on the other hand, covers non-collision-related damage such as natural disasters or vandalism.

Data: According to the Insurance Information Institute, 74% of insured drivers opt for comprehensive coverage, which often includes frame straightening.

Tips

• Ensure you have both types of coverage for maximum protection.
• Ask your insurer if frame straightening is explicitly covered under these sections.

3. Determine Fault in the Accident

Your insurance coverage can heavily depend on who was at fault in the accident. If you were not at fault, your insurer might be more likely to cover frame straightening costs.

Example: “After proving the other driver was at fault, Sarah’s insurance covered the entire cost of frame straightening.”

Tips

• Gather evidence such as photos, witness statements, and police reports to help establish fault.
• Submit this evidence promptly to your insurance provider.

4. Check for Specific Frame Damage Coverage

Some auto insurance policies may have specific clauses related to frame damage. If your policy includes such clauses, you’re likely in luck.

Tips

• Always ask your insurer if there are any exclusions related to frame damage.
• Ensure you understand what “wear and tear” exclusions may apply.

5. Get Multiple Repair Estimates

Insurance companies may require multiple repair estimates before approving coverage for frame straightening. Providing several quotes can expedite the approval process.

Data: A Consumer Reports study found that getting at least three repair estimates can reduce out-of-pocket expenses by up to 30%.

Tips

• Choose reputable repair shops for estimates.
• Submit these estimates to your insurer as quickly as possible.

6. Keep Detailed Records

Maintaining comprehensive records of the accident, communication with your insurer, and repair estimates can significantly streamline the claim process.

Example: “Mike kept detailed records and was reimbursed in full for the frame straightening, thanks to his organized documentation.”

Tips

• Store all documents, photos, and correspondence in a dedicated folder.
• Save emails and take notes during phone calls with your insurer.

Conclusion

Understanding whether frame straightening is covered by your insurance can save you from unexpected expenses and headaches. By reviewing your policy, understanding your coverage, and maintaining detailed records, you can ensure that your vehicle gets the necessary repairs without breaking the bank.