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Hello, everyone, and welcome to another episode of the Murray Group Mailbag. My name is Ryan Hanley. I’m the director of marketing and sales here for the Murray Group Insurance Services. And our Mailbag feature is very simple and straightforward. People ask us questions every day about insurance and insurance-related products and we felt that it was our obligation to answer those questions and share them with anyone who had the same question and who was looking for that answer.
So we post these videos on YouTube and on our website to make the information free and easily accessible for anyone at anytime. Today’s question come from Tim and Tim lives in Castleton, New York, which is in southern Rensselaer County. And Tim’s question is, “Does car insurance cover repairs?” Tough question to answer with a very direct answer, just because really there’s a lot of ways we can go with this, so Tim I’m going to answer the question the best way I can.
Does it cover repairs? If we’re talking about repairs to another car, so you get into an accident and you’re at fault if you have liability up to the limit of the liability that you have on your car, then your auto insurance is gonna pay for the repairs to that car or whatever you damage. You run into a telephone, for the limit of the liability that you have on that policy, your insurance will pay for those repairs if you are at fault.
If you’re talking about repairs to your own car, then you actually need to add comprehensive, which is also known as then collision and or collision coverage which are two physical damage coverages to your auto policy. So a basic policy very basic policy is not going to cover repairs to your own car.
If you, say, spin off the road and hit a tree and no one else is involved. If you just have a basic auto insurance policy then damage to your car, repairs to your car are not going to be covered. So if you do want those repairs to be made and covered, then you need to make sure that you you’ve added comprehensive and collision coverage, two separate coverages to your policy.
Comprehensive is also known as other than collision coverage, depending on the company, but same exact thing, just different names. You can have comp and not collision, but if you want collision, you also need to have comp, and they both cover different things which I won’t get into in this video because I want to keep it short, but so you make sure that if you want repairs covered for your own car, then you’re gonna add comp and collision to your auto policy and then in most cases repairs will be made.
My name is Ryan Hanley. This has been another episode of Murray Group Mailbag. Tim, I hope that answers your question, you can always reach out to us directly if you need any follow up there. So if you have a question that you would like answered on a future episode of the Murray Group Mailbag, just leave that question in the comments below, whether you’re watching this on YouTube or on our site, I track both places and I collect all those questions and use them for future episodes of the show.
If you’d like to subscribe to our YouTube channel, you can do so right here. Just click that button, and that allows you to subscribe, and follow along with any new questions that we come out with, or any new Mailbag episode you’ll be notified inside of YouTube. It’s been a pleasure. Tim, again, I hope that answers your question, and I hope all of you out there have an absolutely fantastic day.
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Albany, NY 12203
Automobile Mechanics Curriculum – Preparing For The Task Of The Future
Everything was done with skill and experience. The community college where you take auto professional training might use classes. This might require repair however not always.
Researching A Company For A Vehicle Mechanic
Maybe you’ve decided to pursue a secret passion. In reality many online computer folks claim they do not work. Find someone who does the work quickly, effectively, and without charging more than the work deserves.
Whether its ownership or the intent of increasing your car’s morale, one can make repairs to body and paint. For instance, a cracked or dripping window, a door does not close effectively, the car’s fender was assaulted by the garage, the car was whacked by a boulder or a rock or the interior has a tear or a cigarette burn. These and many others body and paint problems can be fixed by DIY design.
He continued. “Those who wish to manage you- the cult leaders, the experts, the wizards, the shamans, the soothsayers, and federal government bureaucrats – all the modern-day mystics, in every Learn Auto Repair form and style, rely on you relinquishing your awareness in favor of theirs. But it is a control only you can provide.
Inspect out significant auto parts stores because they will usually be cheaper then your mechanic’s garage. Due to the fact that someone might be offering just what you need, or look in the classifieds if it is a major part. Or potentially, take a look at a scrap backyard and see what they have. This could just save you several thousand dollars.
If you need to put a lot of pressure on your brakes in order to get them to operate, you might need to fix your brakes. If your brakes pull your car to one side when you apply pressure, or if your brakes are noisy, squeaky, groaning, or shrieking, you should get them had a look at. Keep in mind that you can save yourself a lot of time, cash, and tension by Auto Repair Traning and replacing your brakes prior to the condition is crucial. If you do not look after your brakes, you can damage your car or get into a car mishap, so beware.
The phonebook is the # 1 way you will dump scads of money down the drain and never ever see any return. When we talk to brand-new customers we ask them what they do to get their names out there, regularly.We hear: direct-mail advertising Car Repair DIY , vouchers, web. however extremely infrequently will anyone point out the phonebook.
You may desire to think about eliminating your accident arrangement if you have one if you own a vehicle that is an older model. If the car has little or no value, it just does not make sense to have accident coverage. A mechanic can provide you a report of your car and the value of it. This may cost a couple of dollars, however well worth it in the long run. Do not wind up under-insured either. This could be to your downside as well.
Thoroughly understand the guideline and read manual that includes your recently acquired windshield repair package prior to carrying out the repair. Now, here’s how to fix the fractures on your windshield. Initially, utilize an automobile glass cleaner to eliminate dirt from the crack and the location around it. Then dry the crack utilizing a tidy rag or towel. Utilize a security pin to secure any staying debris on the crack. Next location the suction cup onto the windshield utilizing the adhesive consisted of in the package. Then mount the injector on the suction cup. Next, inject the resin; this will eliminate the air between the windshield and the suction cup.
Now you understand the responses to the most typical questions I receive about working on your own car utilizing a repair work manual. DIY repairs can be extremely gratifying as long as you understand what you are doing. Have a good time and be safe!
Especially if whenever you visit your present mechanic for one thing, they recommend 10 things. In case it’s a small crack or chip, it can be repaired by utilizing an automobile window repair package.
Well, owning a vehicle includes a lot of obligation. Follow them and even the toughest DIY auto repair can be done with a minimum of difficulty. I was curious what it figured out to be scrap files.
These are extremely detailed and use you detailed directions how to set about it in order to fix the issue. I was curious what it figured out to be scrap files. You will then have no choices however to regret your decision.
This is a field with more demand than they have workers to fill them. You can find a list of tools required for each job online. The area of the hybrid batteries will vary from model to model.
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