We are on the cusp of spring and the wintry driving conditions are just about over. But there is always that one last snowfall that catches us by surprise and wreaks havoc on our morning commutes and daily activities. Many auto accidents happen during these last few weeks of winter and auto body repair shops continue to stay busy. But what do you do if your car insurance company refuses to pay some of the costs that you feel they should pay? Here are some tips and suggestions to help you through the situation.
Do Not Expect the KBB Price
Auto insurance companies do not always go by the Kelley Blue Book price or even the value that the National Association of Automobile Dealers provide when determining your car’s value. They often have their own software and values that they use based on a variety of factors when determining how much to pay for covered repairs and expenses.
Keep Records
One of the reasons insurance companies refuse to pay the KBB or any other recognized value for your vehicle is because they assume it is worth less than those figures since you probably did not maintain your vehicle properly. Make sure you keep all your maintenance records for any type of procedure done on your vehicle so you can show these figures to your auto insurance company if they try to pay less than what you think the damage is worth.
Get Gap Insurance
Gap insurance pays the difference between how much the insurance company actually pays out and the actual amount of the damage. This is often an inexpensive policy and a great way to cover yourself in case something like this happens.
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