You have had a crash while driving your vehicle. Fortunately, everyone seems to be unhurt, and you have exchanged all the information you need with the other driver. Now comes the question of what to do with your vehicle. Versatile Insurance Planners, serving San Antonio, TX, strongly advises that you take your vehicle to a body shop immediately to have it evaluated, preferably by having it towed.
To be prepared for such emergencies, you should have a membership with an auto club such as AAA. The annual fee will likely pay for itself the first time you have to have your vehicle towed to a garage or body shop.
You may be reluctant to take your car to the shop immediately after an accident, especially if it seems to have just sustained a scratch or a minor dent. However, the kinetic energy that a car crash creates can cause a lot of hidden damage to your vehicle. The frame or undercarriage may have become so compromised that taking it on the road can cause a catastrophe at the next sudden stop or bump on a pothole. If the initial crash does not hurt you, this kind of accident just might. At the very least, the damage to your car may be exacerbated, increasing the cost of repairing it.
A trained and experienced body shop technician can evaluate your vehicle and tell you what needs to be done to get it back into a drivable condition and, most importantly, how much it will cost. While this process is happening, you can get into a rental car and be on your way.
If you have any questions concerning car crashes or about auto insurance in general, contact Versatile Insurance Planners, serving San Antonio, TX.
When you go to apply for car insurance in San Antonio, TX, there are many factors taken into consideration by the carriers you receive quotes through. From your past driving record to whether or not you currently have insurance, these factors will impact the quotes you receive. Another element that is taken into consideration by many insurance carriers is your credit score. The higher your credit score, the more trustworthy you appear in the eyes of the insurance company. More so, a good credit score helps insurance companies, like Versatile Insurance Planners, to determine that you are a low risk for them to insure.
There have been studies that prove the lower your credit score, the more of a risk you are to insurance companies. It should be noted that when an insurance company takes a look at your credit score, they do not take into account your income history, your current employment, or any other type of information. All they look at is your credit score.
And just because you have a high credit score does not necessarily mean you are going to receive a low premium quote. If you have a perfect credit score but a poor driving history, such as one or more tickets during the past two to three years, then you’re likely not going to receive the lowest premium quote anyway.
There are more than a few factors considered when insurance companies give you a quote. The best way to get the most accurate quote is to be completely honest about your past driving history. If you lie about a speeding ticket, you may end up with a low quote, but once it goes through underwriting, the truth is revealed and your quote will likely increase.
If you would like to learn more about auto quotes, please contact Versatile Insurance Planners serving the San Antonio, TX area.