Complete guide to Cosmetic Repair Insurance

This is where cosmetic repair insurance comes in; it’s a specialized policy designed to handle the minor but irritating damage traditional car insurance often overlooks. In this brief article brought to you by Wrights Car Care, we introduce you to this extra layer of protection.

If you’re looking for a reputable auto repair shop in Doraville, GA to restore your vehicle, then consider the time-tested professionals at Wrights Car Care. Our team is on standby to take your call or message today.

What Standard Car Insurance Doesn’t Cover

Traditional car insurance typically protects your vehicle from major damage, theft, and liability. It covers you in case of accidents, natural disasters, and other significant events. However, standard policies often fall short when it comes to minor cosmetic damage like scratches, dents, or stone chips.

Policies typically exclude minor aesthetic issues that don’t affect the car’s safety or drivability. In fact, filing claims for small cosmetic repairs can raise your premiums and cost you more in the long run. Plus, the cost of minor repairs is often less than your insurance deductible. This makes it impractical to file a claim.

In short, relying solely on your standard insurance policy might leave you frustrated and out of pocket if you’re particular about keeping your car in showroom condition.

Enter Cosmetic Repair Insurance

Auto repair insurance is a tailored policy specifically designed to cover minor damage. It’s like a safety net for the perfectionist car owner who values aesthetics as much as functionality. Cosmetic repair insurance typically covers:

• Scratches and scrapes from accidental brushes with objects to stray shopping carts.
• Damage caused by gravel or loose debris on the road.
• Dings from car doors or minor bumps in parking lots.
• Scuffs and scratches on your rims caused by curbs.

While this type of insurance isn’t for everyone, it’s particularly valuable if you’re a car enthusiast who takes pride in keeping your vehicle in mint condition. Those who live or work in high-traffic areas and/or drive a luxury or high-end vehicle can benefit greatly.

Choosing the Right Policy

When shopping for cosmetic repair insurance, consider the coverage limits, exclusions, and the provider’s reputation. Some policies cap the number of claims you can make per year and may have restrictions on certain type of auto repair service.

The Bottom Line

Cosmetic repair insurance offers an additional layer of protection by covering the everyday bumps and scrapes that standard insurance won’t. If you’re the type of driver who cringes at the sight of a door ding or stone chip, this specialized coverage might be your new best friend.

If you’re covered and are looking for a reliable mechanic to get your car back in pristine shape, then consider the professionals at Wrights Car Care. We’re here to take your call or message today.