Warm weather is now here, and that means that hail storms are going
around the nation, leaving nothing but dented, dinged and damaged
vehicles in their wake.
Is your vehicle properly equipped to face
Mother Nature this year? Do you have sufficient insurance that will
help you to rebound from any damage? And, most essentially, how can you
get your car or truck fixed up to
pre-storm condition without making a sizable dent in your pocketbook?
Jungerman
CARSTAR sees and fixes up plenty of cars harmed by hail storms.
Jungerman CARSTAR in St. Peters, Missouri, also serving the people in St.
Charles, O'Fallon, and Lake St. Louis, Missouri, provides this
information to aid motorists as they seek to deal with hail storms:
Whenever
you do get hail damage, your first priority should be to establish
contact with your insurance company, even before calling up a repair
shop. This is because there is a distinct possibility that your insurance provider will call in what’s called a Catastrophe Team if there
is a sizable hail storm. If you decide that instead of visiting the
Catastrophe Team,
you'll drive around town and get a bunch of estimates, sadly, it’ll
just be a lot of wasted time for you. The insurance companies will tell
you to go and have their Catastrophe Teams look at it, commence the
claim process, and then they'll allow you to bring it to Jungerman
CARSTAR or any auto body shop so that they can work with the insurance
company to guarantee that all the dents get fixed on your car.

Even
if you don't really think that your car was damaged too badly, it’s important that you have it looked at quickly. You may find that there's a
lot of damage that you cannot see when you’re just visually looking at
it. Once you get it under some shop lights, and you actually have the
chance to take a good look at it, you'll find that there are a lot of
dents that you won’t see until you go to trade your vehicle in, and then
you’ll be stuck with a bunch of hail damage and a vehicle that's worth
that much less. Realistically, your best bet is to have a
claim processed, and get it to a certified auto body shop, and have the
experts really look over the vehicle carefully. Once you're inside and
the car is under the florescent lights, what you thought was maybe ten
to fifteen dents very well may wind up being one hundred dents.
Analyze Your Coverage
It
is not time to review your car insurance once you hear the smack of
hail hitting your car. Read the policy right now to know what is and is
not protected, what the deductibles are going to look like, if you have
rental coverage, and what to do whenever the storm strikes.
Comprehensive
coverage shields your vehicle from a lot of damage that can be incurred
from natural disasters. Two other choices to think about
are gap coverage – which covers the difference between what your loan is
and what your car is worth -- and rental reimbursement.
One
warning – if you've submitted a prior damage claim and got a check from
your insurance company, but didn't really go to have the vehicle
repaired – the insurance company will take off this amount from your
estimate for the damage, and bill another deductible, too.
Protect Your Vehicle
When
you are aware of a hail storm that is headed your way, it is important
to get your vehicle to higher ground or beneath some type of cover. If
you don’t have a garage at your place of residence, find a covered public
parking garage to shield your vehicle. If you absolutely must park your
car outdoors, park it on as high of ground as you can possibly find,
away from potentially hazardous objects like trees and phone poles.
For
hail storms, cover your automobile in something like an old blanket and
a car cover from your local automotive merchant – prior to the storm
hitting. This will offer some defense for your hood, roof and rear
deck-lid. If a storm comes without sufficient warning, find an awning at a gas
station, the drive-through at the banking institution or car wash to get
underneath for quick protection. If you're on the highway, find cover
under a bridge or
viaduct.
Get Your Car Repaired
Handling
the aftermath of a large hail storm can be distressing, particularly if
you’ve had significant damage to your home, too. Getting your car up
and running again shouldn’t add to your stress, if you are ready for the
repairs. To help with this procedure, Jungerman CARSTAR offers the
following tips:
• Create copies of your vehicle registration,
title, insurance card, and driver’s license prior to the storm hitting
and secure them within a safe, dry place.
• Whenever the storm clears itself up, record the damage with photos and video.
•
Have a repair plan in place before something actually happens. Know
where you want to have your car repaired beforehand so you don’t have to
make a rash decision.
When you pick which body shop you want to use for repairs, remember:
• It is important that you do your homework and look at the reputation of the shop,
business or trade associations they belong to, and if their specialists are I-CAR trained.
•
Reputable repair facilities will always offer a warranty of some kind or another
for the work that they do … ensure that it is both written down and
fully explained to you.
• Your vehicle is a big investment. Only
trust your car or truck to a good body shop business that has been
operating long before the storm. Don't fall into the trap of smooth operators attempting to make a quick buck off of the storm.
If they are in a tent or other temporary location, absolutely do not
trust them with your automobile.
When your car makes it to the
body shop for repairs, there are a some things you should remember to
ensure that you get a quality repair:
• Look over the estimate
that they give you in detail, but do not forget that it only addresses
the visible damage and what it's going to take to fix the vehicle up to
pre-accident condition. If you find that the estimate doesn't cover the
full extent of the damage, a Supplement will be created, submitted to
your insurance company for approval.
• Get a comprehensive
outline of the parts that are going to have to be replaced and if
they're OEM, new or refurbished, and in what condition the car is going to be
returned to you. Most insurance policies only cover as far as
pre-accident condition, so your seven-year old minivan may not come back looking brand new.
• Get a timeline that will outline when the work will be done and when the job is going to be completed.
• Detail the terms and methods of payment, such as down-payment, final payment and costs for follow-up work.
•
Ask the manager of the shop for continuing updates on the job, and
ensure that you are given approval for any work done outside the
original estimate.
• Do not feel pressed to simply accept
whatever repair they give you if you don’t think it is repaired properly. Contact your insurance agent for guidance if you don't want
to accept it.
Whenever your car is in the shop, it’s a great time
to have other dents and dings fixed too. It will be more
cost-effective and your car will ultimately benefit.
For other
tips on dealing with a car accident or having your car repaired after a
collision, visit www.auto-body-st-peters-mo.com. CARSTAR Auto Body
Repair Experts provides top-quality, reliable repairs in thirty-one
states and ten Canadian provinces. Just call 636-939-4199 when you want to have your vehicle repaired and they will send out the tow truck,
contact your insurance company, get you a rental car, and fix your
car.