Superior Auto Body Saskatoon has been in business since 1961, and we have been an SGI ELITE Autobody shop and have been SGI accredited since 1982. There are many reasons we have so many loyal longstanding clients from all over the city, but mostly it is the small, personal touches that we offer to people who have been unfortunate enough to require our services. We offer newer model courtesy cars and vans for our clients. In addition, to help out we will also pick up your vehicle and take it to your SGI appointment for you and deliver the courtesy car to you at home. In our latest blog post, we offer advice on filing an SGI Auto Insurance claim.
Vehicle Collisions and Accidents Can be Costly
Even with insurance, generally, you are going to end up paying some money out of your own pocket. Even if you aren’t at fault, costs can be incurred. Perhaps you need a rental car, missed days off work, or if you spent your valuable time dealing with the whole insurance process.
One question that we hear a lot is:
Does it makes sense to file an SGI insurance claim or pay for the work myself?
Superior Autobody works hard to be the best auto body repair shop in Saskatoon. What that means to us is that we are here to offer the best advice to our customers before, during and after a claim. Monty, Greg and the team want to help you make informed decisions.
Get A Quote on the Repairs
In order to know when to file an insurance claim, it’s important that you get a quote. Once you receive an estimate on how much the repairs are going to cost, you have a starting point for making an informed decision. At that point, you can accurately crunch the numbers. This will determine if you’re going to be better off paying out of pocket, or filing a claim with SGI.
Comparing Out-of-Pocket to Filing SGI Auto Insurance Claims
Let’s take a hypothetical situation and see what will work out better in our basic model.
We can’t just compare the deductible to the cost of fixing it. Suppose you have a $700 deductible, and insurance covers the other $800. That seems like a no brainer. But what if you now lose your Safe Driver Recognition program discount– which is up to 25% saving!
Or worse, you are already in the negative penalty zone and you move down a point – that could cost you as much as a $1000 penalty fee!
Your individual circumstances really need to be thoroughly assessed. You need to know what your deductible is, what you’re saving by having an accident free discount, and what would happen if you make a claim.
Our team at Superior take pride in their workmanship… as we always say,
“When we get through it’s just like new”.
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