Protecting your vehicle is one of the simplest ways to keep your insurance rates low. Ensuring that the car or truck is protected from the elements and other external factors can prolong the value and help to preserve insurance. Like our earlier tip to use your garage if you have one, simply keeping the vehicle protected from the elements. Even without a garage, drivers have options to cover up and protect their vehicles. A tarp, overhang or simple covered parking can protect your vehicle from inclement weather and animals, each of which can scratch, chip or abrade paint and auto glass.
Minor damage adds up. When it comes time to call on insurance, the way the damage occurred can be a very real factor. If a driver has taken at least minimal precautions to keep a vehicle from suffering damages, the insurance company may be more favorably inclined to make a payment. If a driver repeatedly suffers exterior vehicle damage and has not taken any pains to prevent a from occurring again, that the driver may have some big problems with the insurance company. This can mean an increased insurance rate or premium, or a refusal to pay to repair the damage to the exterior of a vehicle.
Auto body damage and auto glass damage are common when a vehicle is left unprotected and exposed to the elements. Insurance companies know this, and generally expect drivers to take precautions to protect their vehicles from this type of exposure based damage. Scratches from animal claws, damage from hailstorms or high winds and even excessive sun exposure can cause damage and discoloration to a vehicle.
While an insurance company usually won’t look too closely at the first claim for this type of damage, repeat claims will usually be met with some kind of resistance. Increased rates and increased deductibles are common and outright refusals to pay for repairs after environmental damage occurs. The insurance company might look at things a little more favorably if a driver can prove they are taking all the precautions possible, such as a basic vehicle cover or taking advantage of covered parking.