What’s the Difference Between Collision and Comprehensive Coverage?

Posted in Collision, Repair on January 9th, 2011 by admin

We’ve all been there… you’re purchasing auto insurance and making sure that you are at least getting the minimum liability coverage
covered by state law, when comprehensive and collision pop up. What are these for, you think… Isn’t my vehicle already covered by the state requirements? In some cases (like if you’re leasing), you may be required to have both comprehensive and collision, in addition to fulfilling the state required minimums… but what’s the difference between them anyway?

Knowing the difference between comprehensive and collision is an important part of assuring that you have the best coverage possible for your vehicle. Here’s a quick look at the essential differences between comprehensive and collision, so that you can make the most informed decision possible when buying car insurance.

Collision is basically what it sounds like. Collision covers a car in a collision with another vehicle. Significantly, collision covers you in a crash no matter who is at fault. Also, if the other party does not have insurance, collision will still cover repairs to your car.  It will also cover your vehicle if you collide with an object (tree, lamp post) or pedestrian. Collision will also often cover the towing and storage of your vehicle during repair and any parts needed for repair.

Comprehensive covers you for almost everything else. Tree fall on your car? Comprehensive. Punk in your neighborhood knock out your window for a laugh? Comprehensive. (Of Note: comprehensive will not cover “vandalism” committed by a family or employee that can be construed as an act of vengeance.) Comprehensive will also cover natural events, like floods, tornadoes, or forest fires. Oddly, a “collision” with an animal is covered by comprehensive, not collision. Yes, it can be confusing. Comprehensive will also cover you in cases of theft.

Remember, neither comprehensive nor collision will cover damages due to your neglect or poor maintenance of your vehicle.

To ensure that you have the best coverage possible for your vehicle, it’s advisable to consider purchasing comprehensive and collision coverage, in addition to your basic liability coverage. With either comprehensive or collision coverage, the amount you will receive in compensation from your insurance company is, of course, determined by your deductible and the value of your car. There are often bundle packages with comprehensive and collision available. You can oftentimes purchase collision and comprehensive separately, although some companies will require that collision be purchased with comprehensive coverage. Look at all your options and make the best decision possible to protect your auto investment and financial well-being.

What’s the Difference Between Collision and Comprehensive Coverage?

Fix A Wreck Auto Collision & Repair Austin, TX

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Where are the Most Common Places for Auto Body Rust to Occur?

Posted in Cars, Repair on December 15th, 2010 by admin

There are many examples of wear and tear on a car, but auto body rust is the most visible. While it is treatable. auto body rust  occurs from living close to the ocean, or from ice and snow from roadways. Road salt and sea salt contribute to auto body rust but the car never rusts uniformly. The roof and doors are susceptible as well as areas that have been damaged previously from a chip in the paint, are at risk. Slight auto body rust can be removed at home, but a bigger job should be done professionally, as there should be no color differences in the car after repairs. Rust should disappear completely as if it never existed.

http://www.carsdirect.com/car-repair/where-are-the-most-common-places-for-auto-body-rust-to-occur

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What Type of Car Paint do You use Over a Car Body Rust Repair?

Posted in Cars, Repair on December 15th, 2010 by admin

Before applying paint, it is important to follow all the steps of car body rust repair. A high quality auto body primer is used in thin coats, at ten minute intervals, as the layers will prevent further rust. A successful car body rust repair requires three thin coats of primer and an overnight wait before applying the paint in several coats. After applying six light coats, the paint must dry for half a day before removing the masking tape. Two days later, wash and wax the newly painted car with a mild car soap. MAACO has 10,000 auto paint colors, and many other auto shops can offer this paint.

http://www.carsdirect.com/car-repair/what-type-of-car-paint-do-you-use-over-a-car-body-rust-repair

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Which Auto Rust Removal Products are Regarded as the Best?

Posted in Repair on December 15th, 2010 by admin

There are many auto rust removal products on the market, but consult your insurance company or a reputed auto dealer for the most effective. Rust Bullet rust inhibitor coating is popular, and guaranteed to prevent rust for 10 years. Rusterizer is an organic rust remover that is newer on the market. Auto rust removal contains acid to convert rust to black oxide, but it is critical to remove rust before painting or spraying on the auto rust removal such as POR-15. Phosphoric Acid has a unique property of dissolving iron oxide quickly and is used in auto shops for auto rust removal. Though, if you are doing this DIY auto rust removal project at home, it is best to use a purchased product mentioned previously.

http://www.carsdirect.com/car-repair/which-auto-rust-removal-products-are-regarded-as-the-best

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What is the Average Price for Cheap Auto Fiberglass Resin?

Posted in Repair on December 15th, 2010 by admin

When you want to repair a hole in an automotive body panel, cheap, fiberglass resin is the way to go. Instead of taking your car to an expensive body shop and having them replace the whole body panel, you can patch small to medium sized holes in body panels using fiberglass mesh and resin. These can be purchased at most full service auto parts and supply stores. You can also pick them up at your local auto body and paint supply house. The cheapest prices, however, will most likely be found online. A one gallon bucket of fiberglass resin will set you back about $60, while a one quart, suitable for smaller repairs, will cost you about $20.

http://www.carsdirect.com/car-repair/what-is-the-average-price-for-cheap-auto-fiberglass-resin

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