Warranty 101

2-collision-repair-advertisementPeople in need of an auto body repair shop in Salt Lake City should only use auto body shops that offer a full and written warranty for their repairs. What does “warranty” mean in this context? Very simply, a warranty is a guarantee or promise made by the auto body shop to its customer that their work will actually fix the damage to the car and the car will then operate normally after it has been repaired. If the damage is not repaired by the auto body shop to the customer’s satisfaction then the auto body shop will be obligated to complete the repairs at no additional cost to the customer. If the auto body shop refuses to complete the repairs, the warranty can then be legally enforced by a court through legal action. If it comes to this the auto body shop will typically be required to pay money damages to the customer.

 

Sometime the auto body repair shop will be ordered to make the repairs by the court. This is called “specific performance.” However, this is not a remedy courts normally like to use in this situation because if the repair shop refused to fix the problem correctly the first time it is unlikely the repair shop will be motivated to do the best job the second time around. Specific performance is usually used when there is no other person who can perform the work that was originally warrantied in the first place.

 

Fortunately, there are many auto body and collision repair shops in Salt Lake City. This competition makes it unlikely that a reputable auto body shop would fail to offer a full, written warranty for their work. But it is always a good practice to make sure there is a full, written warranty agreed to by both the auto body repair shop and the customer.

Types of Vehicle Insurance

If you operate a vehicle in Salt Lake City it is very important (and legally required) to have adequate insurance. Without insurance if you have a car accident you may face steep repair costs in an auto body repair shop, a hospital or a court room. The following is a brief and general overview of typical types of insurance coverage available for vehicles in the United States. Keep in mind, terms of specific policies will vary between different insurance providers and the laws governing insurance coverage also differ from state to state.

Bodily Injury

Bodily injury liability provides coverage for damages to another person’s physical body resulting from a car accident. Typically, a bodily injury insurance will cover medical costs and tort liability up to a limit set by the policy. Many state2-collision-repair-advertisements require bodily injury coverage for all vehicle operators.

Collision

Collision insurance will cover losses related to collisions with other vehicles and is optional in most circumstances. Collision insurance covers the cost of repairs or replacement costs if the vehicle is totaled.

Comprehensive Coverage

Comprehensive coverage covers losses that result from theft, fire, flood, vandalism or other causes not associated with a collision.

Liability

Liability or “casualty” insurance covers bodily injury or property damage caused by a car accident for which the insured driver is responsible. This coverage will cover direct expenses (repair and medical bills) as well as tort liability.

Loss of Use

A loss of use policy will provide monetary reimbursement for costs associated with rental expenses while your vehicle is being repaired provided the damage being repaired was covered by the policy.

Property Damage

Property Damage covers damage to another person’s property. This can apply to a vehicle or other structures located on their real property damaged in an accident (e.g. a mailbox or fence).

Uninsured or Underinsured Motorist Coverage

Uninsured motorist insurance covers losses in situations where the party responsible or at fault for damages resulting from a car accident does not have insurance or has insufficient insurance to cover the loss. Uninsured motorist policies typically cover costs associated with vehicle repairs as well as medical bills for the insured.