can i have my entire vehicle repaired on existing claim?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 18, 2015

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Insurance Question from Melbourne, FL

Asked on 08/18/2015

can i have my entire vehicle repaired on existing claim? the vehicle hit another vehicle in the front but there is other damage to the vehicle and i just want to get the entire car looking brand new

Answer given on August 21, 2015

If you caused an auto accident and you have collision coverage, your auto insurance policy will pay for the damages to your car from the collision, less your deductible. If you want to make other repairs to your car at the same time, you will have to get a separate estimate for those damages and pay for them yourself. If the damages were caused by a different accident, then your insurance company might pay for them, but a separate claim and deductible will apply. In addition, by filing a separate claim you could end up with a greatly increased premium since the insurance company will consider the additional accident an at fault incident unless there is proof of non fault.If you decide to pay for the other repairs on your own, make sure the body shop understands that you will pay for the additional work and to not submit the costs to your insurance company. They should be able to break out the work for you.

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