• Understanding the Types of Damages Covered by Insurance

    Car Insurance Policy

    Car insurance is one of those things nobody really appreciates until they need it. If you are involved in a collision and your vehicle needs to be repaired, your car insurance policy will help take care of a large portion of the bill. Depending on your policy, your insurance company may even pay your medical bills and cover any lost wages resulting from your injuries. If you are shopping for a new car insurance policy, start with the basics—that is, the types of damage covered by each policy. Here is a look at some of the types of damages that can be covered by insurance.

    Car Damage

    First and foremost, car insurance will always cover the cost of repairing your vehicle. Depending on your deductible, you may have to pay out-of-pocket for any repair costs exceeding the upper limits of your policy. But even if you have to dip into your own reserves to fix your car, it could have been much more expensive without car insurance.

    Property Damage

    Property damage liability covers repair or replacement of other people’s cars and property. Minimum requirements vary by state, but the limits average around $15,000. However, considering that the average cost of a new car is $25,000, buy at least $30,000 worth of coverage to protect yourself in case you are at fault for an accident and total someone else’s vehicle.

    Personal Injury

    In addition to property damage liability, most states also require bodily injury liability insurance. This type of insurance covers medical treatment, rehabilitation, and funeral costs incurred by you, your passengers, other drivers, their passengers, and pedestrians. If you are seriously injured in a car accident, your car insurance will supplement your health insurance benefits and pay-outs.

    For quality collision repair in Chicago, come to B&L Automotive Repairs, Inc. We will work with your insurance provider to make the collision repair process as easy as possible. Visit our website or call us at (773) 463-1622 to learn more about our auto body shop. 

  • What Is the B&L Difference?

    Customer Satisfaction Award

    Car collisions can be scary and stressful, but collision repair doesn’t have to be. At B&L Automotive Repairs, Inc., we make the experience as comfortable and efficient as possible. It’s what we call the B&L difference.

    The B&L difference is what sets us apart from other collision repair shops. We provide all of the conveniences possible, including free estimates, a car rental service, and a lifetime guarantee. We even have a comfortable waiting room and a children’s play zone to help your kids pass the time. We accept several different payment options for our services, and our employees also speak Spanish and Polish. We run a very secure facility, so your car will be returned in optimal condition.

    Call B&L Automotive Repairs, Inc. at (773) 463-1622 or visit our website to learn more about our collision repair services. Stop by today to find out more about what we can do for you and your car, or call us to schedule an estimate for the damage. 

  • A Look at How Paintless Dent Repair Works

    Car Dent

    Car collisions vary greatly in terms of the physical damage caused in the wreckage, but rarely, if ever, do cars escape with no damage at all. Even minor fender benders can cause dings and dents that require auto body repair. To help make your car look like new following a collision, choose paintless dent repair. Here is a look at how paintless dent repair works.

    Determining Candidacy

    The first step is to decide whether or not the damage can be repaired with paintless dent repair. Paintless dent repair is appropriate for cars that have been in collisions but have not sustained damage to the paint. If the paint is cracked or chipped, it cannot be fixed using this method. However, since the type of paint used on cars is typically durable and strong, it is not uncommon for a collision to result in dents but no paint damage.

    Accessing the Dent from Inside

    When you perform paintless dent repair, you have to know how to access the dent from the opposite side of the collision. This is one reason why this process is best left to professionals. In many cases, the dent is not easily accessible from the inside, so parts may need to be removed in order to gain access. A professional will know exactly what parts to remove and will do so without the risk of accidentally damaging other parts of the vehicle. 

    Using Tools to Repair the Dent

    The final step is to repair the dent. It can be difficult to see what you are doing during this stage, since you are accessing the dent from the inside. A professional will have all of the proper tools for this procedure. Using tools to fit the shape and size of the dent, the professional will apply pressure from the inside while holding other tools against the outside of the dent. This helps keep track of where the tools are and prevents the dent from being overextended.  

    For more information about how paintless dent repair works, and to determine whether your car is eligible for paintless dent repair, contact B&L Automotive Repairs, Inc. We are an insurance approved collision repair shop in Chicago. For more information about our car collision repair services, give us a call at (773) 463-1622 or visit our website.

  • Tips for Preventing A Rear End Collision

    Most adults and many teens use vehicles on a daily basis, which contributes to hundreds of car accidents occurring each day. However, many car collisions are entirely preventable. This video teaches you several helpful tips for preventing rear end collisions.

    Of all of the different types of collisions, rear end collisions are the most common. If you maintain your tires, your suspension, and your brakes regularly, your car will be better prepared to stop immediately when necessary. The rest of the prevention is up to the driver operating the car. Always pay attention to the road and the other cars around you, and use your turn signals to communicate. Adjust your rear view mirrors as necessary and pay attention to other vehicles’ brake lights.

    If you’ve already been involved in a collision, call B&L Automotive Repairs, Inc. at (773) 463-1622. We are an insurance-approved collision repair shop based out of Chicago. For more information about our collision repair services, stop by today or visit our website.