Choosing from Smart Repairs or File and Insurance Claim
After a small accident, your car can end up with minor damages such as scratches, dents, or scuffs. In such cases, you may consider getting a SMART repair instead of filing an auto insurance claim. SMART (Small to Medium Area Repair Techniques) repair can be beneficial in many ways, and in certain circumstances, choosing to avoid filing an insurance claim and pay out of pocket for repairs can be the right choice.
Firstly, opting for a SMART repair is cost-effective, as the repair is localized to the damaged area only. This means that the cost of the repair is much lower than the overall cost of a traditional repair, which would include repainting the whole panel. This makes it the perfect solution for minor damages such as scrapes and small dents.
Secondly, a SMART repair is a quick and efficient solution, often taking no more than a few hours. As a result, you can get back to driving your vehicle soon after the repair work is completed.
Additionally, if your car has cosmetic damages, such as minor dents or scratches, then a SMART repair can enhance the overall appearance of your car. This can be beneficial if you are planning to sell or trade-in your vehicle in the future.
However, if the damages are too severe, then a SMART repair may not be a suitable solution, and involving your insurance company might be necessary. If any safety features on the car were impacted, such as airbags, sensors or the structural integrity of the vehicle, then you need to involve your insurance right away to ensure your safety.
Furthermore, if you plan on filing an insurance claim in the future, then having a minor repair done with SMART repair can save you from future issues such as high premiums on the insurance. Hence, paying out-of-pocket for these minor repairs can make more sense.
In conclusion, SMART repairs can be highly beneficial for minor damages caused by a small accident. They are quick, cost-effective and can enhance the appearance of your vehicle. However, it is important to evaluate the extent of the damage before going for SMART repair and to note that safety is always the topmost priority. If you are not sure, it’s best to check with Allyz Auto book a free consultation before making any decisions.