JB Auto Paint and Body – Longview Texas Auto Body Repair

JB Auto Paint & Body in Longview, TX understands how important it is to have the right insurance coverage for your vehicle. Your auto insurance is designed to protect your car in the event it suffers physical damage. For example, if you accidentally crash into a tree during a snowstorm or rear-end another vehicle at a stoplight, your collision coverage should cover the cost of repairs for your damaged bumper and dented hood. After visiting our shop, you should be able to drive away with your vehicle looking as if the accident never happened.

But, did you know that not all vehicle damage is covered by collision claims? Here are three instances where collision coverage is not the only type of insurance that can restore your car and make it look brand-new again:

1. You Run Into an Animal on the Highway

Imagine driving late at night, and suddenly a cow appears in front of your car. If you hit an animal, the damage will not be covered by your collision coverage. Instead, the damage will fall under comprehensive coverage. This includes collisions with animals like deer, horses, or coyotes, especially if the impact causes significant damage.

Most people associate comprehensive coverage with claims for things like windshield damage, but it actually provides much broader protection. This coverage also includes incidents such as vandalism, theft, natural disasters (tornadoes, hurricanes, etc.), civil disturbances, falling objects, and, of course, animal collisions.

2. Your Neighbor Rear-Ends You at a Traffic Light

What if the situation is reversed, and your neighbor rear-ends your car while you’re stopped at a traffic light? In this case, you don’t need to rush to file a collision claim. Instead, your neighbor’s liability coverage will typically pay for the damage they caused to your vehicle.

In many states, it’s required for every driver to carry minimum liability insurance, specifically for situations like this. Liability coverage helps pay for both property damage and bodily injury when the other driver is at fault.

3. Your Neighbor Doesn’t Have Liability Coverage After All

Unfortunately, what if you discover that your neighbor doesn’t have insurance when they rear-end your car? Don’t worry—you don’t need to use your collision coverage if you have uninsured motorist coverage. This coverage protects you if your car is hit by an uninsured driver.

Additionally, uninsured motorist coverage can also help if the at-fault driver has insufficient coverage. For example, your neighbor might only carry the minimum liability limits (such as $5,000), but your repairs could cost $8,000. Uninsured motorist coverage will help cover the difference. This coverage also applies if your car is damaged in a hit-and-run scenario.

A Wide Range of Coverage for Your Vehicle

Your vehicle can suffer damage from more than just a collision with another car. Whether it’s caused by strong winds, falling tree limbs, or an animal in the road, comprehensive coverage, liability coverage, and uninsured motorist coverage can all help cover the cost of repairs to your car.

No matter which type of coverage applies, the experts at JB Auto Paint & Body are here to assist you in navigating your insurance claim and ensuring your vehicle is restored to its pre-accident condition. We understand that dealing with insurance can be stressful, which is why we do the work for you—so you don’t have to worry about it.

Visit JB Auto Paint & Body Today

For fast, reliable, and high-quality collision repairs, visit JB Auto Paint & Body in Longview, TX. Let us help you get your vehicle back on the road, looking as good as new, after an accident. Contact us today for more information or to schedule your repair!