Why Should I Have an Appraisal Clause in My Auto Insurance Policy? Disputes between policyholders and insurance companies aren’t uncommon—especially when it comes to disagreements over the value of a covered loss after a car accident. In such cases, having an appraisal clause in your auto insurance policy can be an essential protection. It provides…
What every driver should know after a minor accident. You’re backing out of a parking space. You look both ways—traffic is clear. So you proceed. Then, crunch. That gut-wrenching sound of your fender collapsing fills your ears. You slam the brakes and realize with sinking horror: you’ve backed into one of those short cement poles…
Being in an accident is stressful enough. Add in the hassle of getting your car repaired and it can feel overwhelming, especially when the accident wasn’t your fault. The third-party insurance company will often work hard to avoid paying the full cost of your repairs, while you, as the claimant, are left trying to make…
Selecting a deductible is one of the most important things to consider when comparing coverage across insurance companies. A high-deductible car insurance policy brings different financial consequences than a policy with a low deductible. What exactly is a deductible? If you file a car insurance claim after an incident, the deductible is the amount you pay…
What Happens If An Uninsured Driver Hits You? If you’re involved in an accident with an uninsured driver, you’ll likely need to turn to your own insurance provider for compensation. That’s where uninsured motorist (UIM) coverage becomes crucial. UIM coverage helps pay for medical expenses, lost wages, and other injury-related costs if someone without insurance…
When you sign up for auto insurance, it might feel like you’re taking a responsible step—protecting yourself, your car, and your future. But take a closer look, and it starts to resemble something far less comforting: a high-stakes bet. Because let’s be honest—insurance is, in many ways, like gambling. You’re wagering that somewhere down the…
If you’re just starting to look for car insurance—or you’re thinking about switching providers—the number of options can feel overwhelming. On one hand, you’re constantly bombarded with flashy advertising promising rock-bottom rates and can’t-miss deals. On the other hand, your instincts are telling you to dig deeper, to look beyond the surface, and find coverage…
The Hidden Cost of “Cheap” Insurance: What You Need to Know Before Bundling Auto insurance is mandatory in Illinois—there’s no getting around it. And if you’ve just closed on a new home, congratulations! But you probably also noticed that homeowner’s insurance was another box you had to check before getting those keys in hand. These…
Some accidents are straight forward as far as who the claimant is. For instance, if you’re rear-ended, the other party is at fault. You would be the claimant. They are considered the policy holder. If the accident is as a result of a lane change or in an intersection, the responsibility can become muddied. Were…
Sharp Auto Body has been in business over 40 years. They’ve seen and heard it all. So what can you learn from them? If you have any questions related to collisions and auto repair, even if you’re using another body shop, call Sharp Auto Body. There’s questions you should be asking before any repairs take…
Have you ever taken your car to a repair shop after an accident, only to have your insurance company push back on the cost? Maybe they claimed the shop was overcharging you or that certain repairs weren’t necessary. Or worse—have you ever had a repair shop tell you they “discovered” new damage that wasn’t there…
What is a DRP shop? A DRP shop is a Direct Repair Program auto body shop which is aligned with an insurance company. They are given a specific standard set by the insurance companies for pricing. Why is this a bad thing if they will pay for your repairs? First of all, while the insurance…
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