Insurance FAQs
Answers to questions related to
Insurance and Wolford’s Collision Repair
Which insurance companies do you work with?
We work with all automotive insurance companies. Our staff will help you determine if your specific policy will cover repairs done at Wolford’s and how much they will pay.
Will my insurance pay?
Whether or not insurance pays depends on what caused the damage to your vehicle and what coverage you or the person who hit your automobile has. The guidelines below may help you understand the different types of insurance coverage:
Liability Insurance: Utah residents are required to maintain liability insurance that will pay for damage to another car they hit while driving. If you are hit by someone that is covered by Property Damage Liability insurance, the cost of restoring your vehicle may be covered by their insurance. Thankfully, all Utah residents are required to maintain this liability insurance. This means that if your car is hit by a Utah resident, you should be covered. However, the minimum required coverage for property is $15,000, so the other person’s insurance may not pay for all the needed repairs. Also, some people may drive without proper insurance.
Collision Insurance: Reimburses the insured for damages to the insured’s own vehicle when the insured is at fault. It can be carried as an extension of a liability policy, but is not required in the state of Utah.
Comprehensive Insurance: This insurance covers damage to your car when it doesn’t come from a collision with another vehicle. Examples of what it covers includes natural disaster, vandalism, falling objects, hitting an animal, fire and theft.
Give us a call or stop by our office. We’ll help determine how much insurance will pay.
How will a claim affect my premium?
It’s best to contact your personal insurance agent or company for an answer to this question. The answer may vary based on your individual circumstances and your specific policy.
Do I Have To Pay a Deductible?
If another person hits your vehicle and has liability coverage, his or her insurance deductible does not apply to you. This means you do not have a deductible. You have no out-of-pocket auto repair expenses up to the amount of damages covered by the offending party’s insurance.
If the person who hit you decides to pay cash out of pocket, that payment will not apply to his deductible either. However, having his insurance company pay instead of paying out of pocket may or may not affect his premiums.