January 8th, 2016
When we set a budget for the month it seems that we are never prepared for the inevitable to happen: accidents and repairs. Suddenly the money we were saving has to be used for this unexciting and annoying and situation we didn’t see coming. When you’re involved in an accident, regardless if you were at fault, your premiums go up and your monthly insurance cost rises. As a good driver, it’s frustrating to be charged for a service when you are not the person at fault.
The real question is: Is it always necessary to file a claim when the damage to your vehicle is merely cosmetic? At CoverHound, we assist you in finding the perfect insurance policy, even if you won’t want to use it in every scenario.
Let’s explore the concept of emergency only auto insurance below.
It’s What’s on the Inside That Counts
Your vehicle is carrying some very precious cargo. Whether it’s just you or the entire family bundled in the car, you want to know that you’re safe on the road. When accidents happen, it’s not just about the car, it’s about you. Many auto insurance policies are so convoluted with jargon and highfalutin language that by the time you sign the policy, for all you know you very well may have signed away your first-born to Rumplestiltskin. No matter who is at fault in the accident (or your excellent driving record), once you file that claim, your premium rises. So because bumbling Bob was playing with the radio station and didn’t see you stopping at the red light, you pay for his mistake. But what if the damage your car sustained is relatively minor?
If you use your policy with an emergency-only auto insurance mindset, you could potentially be saving money. Look at it this way: if you can get the scratch buffered out yourself, no one needs to know what happened. Getting in a fender bender with no injury to you and only minor damage to your car really isn’t worth involving your insurance company, especially when the damage is only cosmetic. For a lot of us, our vehicles are used to take us from point A to point B in as safe and as comfortable a way as possible; it doesn’t matter if the journey is in an ’82 Ford or a ‘05 Honda.
Of course, certain people view their car as an extension of their appearance, but for those who don’t, small dings and chipped paint could be of minimal annoyance. Think of surface damage on a car like a human scar, it shows you survived the battle!
Taking Care of Business
Unfortunately, we can’t readily drive away from every accident. In instances such as these, we need to keep our auto insurance on a emergency-only usage. While it can be tough to fork over money for an unseen circumstance, it’s important to remember that this is for a reliable piece of technology you use every day: your car. It’s easy to forget in this day and age that our car is just as valuable to our everyday living as our smart phones and Wi-Fi hot spots. We take for granted the things we have, and when they are stolen or damaged, we are stuck between a rock and a hard place. In the case of a car accident, this can be a literal experience. So when you have severe body damage to your car, or think you need to see a doctor as result of a collision, let your insurance company know ASAP—this is when the term “emergency-only car insurance” really applies.
Accidents happen, but that doesn’t mean you should suffer a spiked premium for every little ding or scratch. Explore CoverHound’s auto insurance offerings today and get the best coverage possible for your needs.