Should I Pay for My Car Repairs, or Should I Use My Insurance?

May 20, 2023
Car insurance repairs

If you’ve been in a collision or your car has been damaged in some way, and you need your car repaired, you may be wondering how you should pay for the repairs. When it comes to getting repairs done on your car, you have a few options: pay out of pocket, or use your insurance. Let’s take a look at the advantages and disadvantages of each option.

Paying Out Of Pocket for Car Repairs

The main advantage of paying for repairs yourself is that there will be no impact on your insurance premiums. If you don’t report the incident to your insurance company, they will not know it happened, and you won’t see an increase in costs. Another advantage is that if your claim involves a low-cost repair, it may not be worth reporting to the insurance as the total cost could be more than the deductible on your policy.

On the other hand, if you do not have the cash on hand to pay for repairs, paying out of pocket may not be a realistic option. In addition, depending on the severity of the damage and the cost of repairs, it may end up costing you more in the long run.

Using Your Insurance for Car Repairs

The main advantage of relying on your insurance is that it covers the cost of repairs. Depending on your deductible, you may be able to get back some of the money you spent or even all of it. Another advantage is that when you use your insurance for repairs, they will be done by a professional with experience in repairing vehicles and using the correct parts.

On the other hand, using your insurance to pay for repairs can be costly. You may have to pay a deductible, and you will see an increase in your premiums over time. If the damage is severe enough, it could result in a total loss claim which would be reflected on your driving record and cause your premiums to increase even more.

What’s the Best Option for Collision Repairs?

Typically, if the cost of the damage is higher than your insurance deductible or if another driver caused the damage, then it is recommended to file a claim. If you have damage that is minor and wasn’t caused by a different driver, you may be better off paying for the repair yourself if you have the cash available.

At the end of the day, it’s up to you to decide which option is best for you and your wallet. Consider all of your options carefully before making a decision. Make sure you consult with your insurance company first if you’re unsure about what coverage is available for repairs on your policy. Doing some research and crunching the numbers can help you make the best decision for both your car and wallet.

Collision Repair Services in Morgantown

Freedom Collision Center offers expert collision repair services to meet your needs. Typically, our auto body shop is covered by insurance, but be sure to check with your insurance company so that you know whether or not you are fully covered for collision repairs. Contact us today to learn more!



Morgantown Center

696 Fairmont Rd.
Morgantown, WV 26501

(304) -241-1325

Freedom Auto Group's Morgantown Center