Insurance Audit Information

Paintless dent removal is actually one of the favorite repair methods of insurance companies and car manufacturers alike.

Industry Standards in Paintless Dent Repair

In reality, paintless dent removal (PDR) is an industry-recognized repair process. This means that many car manufacturers not only endorse it, but they do it themselves for existing customers or when they want to resell a car. That’s because it is the only dent removal practice that maintains the original surface and finish without any cracking, chipping, or need for repainting.

Most insurance companies also recognize the value of paintless dent repair, and will even recommend it to clients who file a claim for minor body damage caused by small dents or dings. Because it costs up to 70 percent less than repairs at a traditional auto paint and body shop, PDR helps insurance companies to keep their own premium costs down. In some cases, the savings are so great that insurance companies might even wave a deductible for a car owner who chooses PDR over traditional body repairs.

Everyone Saves Money with Paintless Dent Repair

One of the best things about paintless dent removal, however, is that many vehicle owners can sidestep the insurance question altogether. While cars, trucks, or SUVs with extensive damage might require you to file a claim, the low costs of painless dent repair means that it often comes in at less than what you might be expected to pay for a deductible – not to mention your increased rates once the insurance claim has been filed.

Most people and insurance companies also appreciate how quick paintless dent removal is – particularly when the services are mobile and come to your home or office. In most cases, the repairs can be completed and the vehicle ready to drive within one or two hours. This means there is no need for a rental car, alternate transportation, or lengthy waiting periods that often make the repair process a hassle for individuals on both sides of the insurance desk.

It doesn’t matter whether you intend to go through your insurance company or are looking into getting paintless dent removal repairs yourself. It is a fast, easy solution that offers virtually perfect results.

Texas law requires all drivers to carry at least liability coverage. However there are many other types of auto insurance. Texas insurance companies generally provide these major types of coverages for you to choose from.

Medical Payments Coverage

This type of insurance pays medical and funeral bills arising from accidents, including those in which the victim was a pedestrian or a bicyclist. It covers you, your family members and all passengers in your car regardless of who caused the accident. Because many drivers still do not have insurance, it is a good idea to add this coverage to your auto insurance. Texas law requires all drivers to carry insurance, but it is not something you want to count on if you or someone you love gets hurt.

Personal Injury Protection (PIP) Coverage

This type of insurance is the same as medical payments, but offers the additional coverage of 80% of lost income and the cost of hiring a caregiver for an injured person. It is a valuable addition to your auto insurance. Texas law, in fact, requires insurance companies to offer $2,500 in PIP to you, and that you reject it in writing if you choose not to add it to your policy.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

This type of coverage explictly covers expenses from an accident caused by an uninsured driver, or if the driver did not have enough insurance to cover your bills. This type of coverage also pays for damages arising from a hit and run accident if you promptly report it to the police. Auto insurance in Texas is mandatory, but this type of coverage is a good idea to protect yourself against those who do not follow the law.

There are two types of UM/UIM coverage: bodily injury and property damage. Bodily injury coverage pays for medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability. Property damage coverage pays for auto repairs, rental car fees, as well as damage to items in your car. Insurance companies must offer UM/UIM in addition to your auto insurance. Texas law requires that you reject, in writing, if you choose to waive this protection.

Collision (Damage to Your Car) Coverage

This type of coverage pays the cost of repairing or replacing your car after an accident, regardless of who was driving or who was at fault. Payment is limited to your auto’s actual cash value, minus your deductible. Actual cash value is the market value of a car like yours before it was damaged.

Comprehensive (Physical Damage Other than Collision) Coverage

This type of coverage pays the cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, or another cause other than collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. Your policy won’t pay for an auto theft unless you report it to the police. Payment is limited to your car’s actual cash value, minus your deductible.

Towing and Labor Coverage

This pays the towing charges when your car cannot be driven, as well as labor charges, such as the cost of changing a tire, at the place where your car broke down.

Rental Reimbursement Coverage

This type of coverage pays a set daily amount for a rental car if your car is stolen or is being repaired because of damage covered by your policy.

Clearly auto insurance in Texas can be much more extensive than a simple liability policy, and provide much greater protection and peace of mind.

If you are looking for cheap young driver insurance rates here is some information that may save you a good amount of money. Most insurance companies will charge a high premium for young drivers. They put most first-time drivers in a high risk category.

If you are getting the insurance for the first time or looking for a cheaper alternative to your high-priced auto insurance company, it pays to shop around. You may be surprised at the huge differences you will find when getting auto insurance quotes. You may think that if you go with a smaller, less known auto insurance company you will get a better rate, this is not always the case.

Shopping around for car insurance can be real pain sometimes. You could get the phone book out and start calling all your local Insurance companies. Most of the time you have to sit on hold for a while just to talk to someone, and then give them the same information you just gave to the last company, again and again.

There is a better way. Shopping for auto insurance for young drivers online is the easiest way to do it. You don’t have to sit on the phone and wait to talk to an agent, most insurance quotes are instant once you fill out the form. What most people don’t know though is that you usually will get a better rate shopping online.

Another huge advantage of shopping for cheap young driver insurance online is that you can get multi-quotes from filling out one form. Instead of going from company to company you can fill out a single form, one time, and get quotes from multiple insurance companies. From there you decide on which company you would like to go with.

The auto insurance companies know they are competing with each other so you end up with a better rate than by calling them. Online insurance companies want your business so they will fight for it. Just because you are a young driver, you should not be stuck with a high premium. If you want to get an auto insurance rate quote from multiple companies from a single form you can get started by visiting our auto insurance quote wizard