How to Pay for Cosmetic Repairs on Your Car
Wednesday, June 17, 2020, 6:00 AM | Leave Comment
Keeping a car looking nice for professional and recreational purposes is important to many people.
Although vehicles are robust and can handle everyday debris from the roads quite well, cosmetic damage tends to show up easily.
Depending on the nature and severity of these issues, repairs to your car can be costly.
Here are just a few of the ways that you might pay for the procedures to restore your favorite vehicle.
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Check Your Insurance
Your insurance plan may provide stipulations that cover part or all of the cost of the cosmetic damage to your vehicle. How this option works might depend on what kind of plan you have and what you covered when you signed up for it. If your car sustained this kind of damage during a collision, your accident coverage could include a clause that has your insurance company take care of things such as dents or scratches that were the result of a hit.
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Determine the Type of Damage
Even if your car didn’t take damage as the result of an accident involving another vehicle or driver, your insurance may still help you out. Some of these plans cover specific problems with your vehicle based on the type of damage it gets. In many cases, damage to your vehicle thanks to inclement and unexpected weather could be covered by insurance. Many places specialize in auto hail damage repair to take out the dings and cracks caused by these hard balls of ice.
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Consider a Loan
If you don’t have a plan that covers these costs, a small personal loan to complete car repairs quickly might be in order. Personal loans include fixed rates that can help you predict precisely what you’ll owe and when to pay it. These kinds of offers generally don’t need you to put up collateral before you are eligible to receive them, making them a decent option if you need some quick repairs. It is a good idea to make sure that your credit score is in good standing before going through with this option and that you will be able to make the payments.
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Talk Options With the Repair Shop
Many repair shops have financing options that don’t require you to take outside loans and have very low interest. This helps them continue to get business despite the high costs of service, and they want to make things work with you. You can also ask them about potential discounts by grouping services, benefits of getting a maintenance subscription with them, and even get temporary alternative repair options that can help keep your car from sustaining further damage while you save for the necessary repairs.
Cosmetic damage to your vehicle can be more than unsightly. Cracks or dents in places like the doors or the windshield can cause real problems with how the car functions and allow for rust to get into the body of the car.
However, your insurance agent may be ready to step in and help. If not, there are other options you can explore to get what you need. Whatever the case, it is good practice to check what payment plans are available to you and select the one that works.
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Meghan Belnap is a freelance writer who enjoys spending time with her family. She also enjoys being in the outdoors and exploring new opportunities whenever they arise. Meghan also enjoys researching new topics that help to expand her horizons. You can often find her buried in a good book or out looking for an adventure. You can connect with her on Facebook and Twitter.
