Car Insurance: Myth or Truth?


Car insurance can be complicated and confusing for a lot of vehicle owners. We hear a lot of stories from customers about what they’ve been told by their insurance companies, information relayed from friends and relatives, and — of course — the internet!

Many of the “facts” we hear are simply untrue — complete myths that have no basis in reality whatsoever. Below are four of the most common myths we hear being presented as facts:

1) The color of a car affects insurance rates
Absolute myth! Somewhere along the way people got this crazy idea that cars or specific colors were targeted more often for speeding and the like, which thus raised insurance rates on those colored cars.

That is not true at all. The myth probably got started because sports cars are typically seen in red and yellow, and thus people assumed those colors were more at risk and thus had higher rates. The fact of the matter is that sports cars have higher rates, but the color has nothing to do with it.

2) All new cars are automatically added to the insurance that is already in a persons name
Myth! Car insurance companies do not have a crystal ball so you will need to inform them when you purchase a new car.

In some states, like New York, a car can not be registered without insurance, but the owner of the car and insurance must still call the company to get the car insured.

3) Males under 25 pay more for car insurance, no matter what!
Technically this is a myth with some truth behind it. Males in the under 25 bracket have a tendency to be more dangerous drivers, so insurance rates can be higher.

However, the group as a whole does not penalize the individual driver. A driver with insurance for several years and a clean record will pay less than someone without an insurance record or with a blemished record, period. It depends on the person, not only the age.

There is some truth to this, but its not an insurers rule to charge more, each person is considered on an individual basis.

4) Minimum coverage is good enough and will cover theft or other issues.
This a a big myth and a costly one at that. Minimum coverage only covers accidents while driving, it does not cover theft, vandalism or acts of god.

In order to be safeguarded against theft, vandalism, or a random falling — tree full coverage is necessary. Even then it is necessary to read through the contract to see what is and is not covered.

-Apex Auto Center Inc.

Auto Insurance Deductible when you are NOT at fault

The deductible is the amount that you must pay out of pocket before your insurance coverage applies.  Some common amounts for a deductible are $500 and $1000.  The deductible is taken from the total value of the repairs to your vehicle.  For example, if the cost to repair your vehicle is $3,500 and you have a $500 deductible, you will pay $500 and your insurance will cover the remaining $3,000.

Now what if you were not at fault for the accident, do you still need to pay your deductible?  Deductibles generally apply when the damage to your vehicle is your own fault.  If the accident was caused by another identifiable driver who is insured, their coverage will pay for your vehicle's damages.  In this case you will NOT need to pay your deductible.  For this to occur the driver at fault must be identifiable, meaning a hit-and-run will still require you to pay your deductible.  The same goes for vandalized claims or any case where the at fault is not identifiable.  

Here at Apex Auto Center we try our best to provide the best services possible, including helping out with answering any of these questions that you have and if you need to pay your deductible in full.  An inconvenience that we can help you resolve.

-Apex Auto Center Inc.

Setting up an Insurance Claim

It's a simple process but takes some patience.  It can be done here at the shop or even by yourself.

To begin this process, you are going to need to contact your insurance company and report the accident that occurred.  Have your registration in hand because it will help you answer the specific questions about your vehicle.  They will ask time of the accident, date of occurrence, location of where it took place, driver involved as well as passengers, and if the car is still drivable.  It's a call we can do right here from the Marlborough office in case they need more information.  During this call you notify them that your car will be repaired at Apex Auto Center (we work with all insurance companies). 
After setting up your claim contact us directly and we will help you with rental, drop or and pick up, and with any other questions or concerns you have.  
We have an amazing relationship with all insurance companies, making this a simple and convenient processes for you.  

I really hope this helped and if you have any further questions feel free to contact us!  Doing what we can to be the best auto body shop around

-Apex Auto Center Inc.

"I need a Rental Car!"

Car Rental.jpg

You got hit by a car and you don't have rental on your own policy...what now?

Being in an accident is always hectic.  You need to worry about your health, the health of the others involved in the accident, the cars and what to do next.  You finally get around to brining your car to the best shop in town and then you realize you need a rental.  As a victim in an accident due, to another person's negligence, you have the right to recoup the costs associated with fixing the disruption you experience.

"So does that mean their insurance will pay for me to have a rental?"
Yes!  As a victim it is your right to compensate the costs. Including all of the costs of renting a vehicle while your own vehicle is being repaired. 

-Apex Auto Center Inc.