After a car accident, one of the first things most people wonder is whether their insurance will cover the cost of bodywork. From dented fenders to major panel replacements, repairs can be expensive—and understanding what’s covered (and what isn’t) can make a big difference in how quickly and affordably your vehicle is restored. For those seeking professional automotive services after a collision, knowing your policy and your options is key.
What Kind of Insurance Covers Bodywork?
There are several types of car insurance, but not all of them cover body damage to your own vehicle. If you only carry liability insurance—the minimum required by law in most states—it typically won’t pay for your vehicle’s body repairs after an accident, even if someone else caused the crash. However, if you have collision coverage, your insurer will usually cover the cost of automotive repair, regardless of who was at fault. Collision insurance is designed specifically for accident-related damage, making it the most relevant type of policy when it comes to bodywork.
Comprehensive coverage also plays a role in bodywork repairs, but only for damage not caused by a collision. For example, if your car is vandalized, hit by a falling tree, or damaged in a storm, comprehensive insurance would apply. Both types of coverage may include a deductible, meaning you’ll pay a portion of the repair costs out of pocket.
Who Pays for the Repairs?
If you’re not at fault for the accident and the other driver is insured, their liability insurance should cover the cost of your automotive repair. However, dealing with another person’s insurance company can take time. Some drivers choose to use their own collision coverage to get the car fixed faster, then seek reimbursement from the at-fault party’s insurer later.
If the at-fault driver is uninsured or underinsured, and you carry uninsured/underinsured motorist property damage (UMPD) coverage, that part of your policy can help pay for bodywork. While UMPD isn’t required in all states, it’s highly recommended as added protection—especially when you rely on your car for work, family, and daily activities.
Choosing a Body Shop for Insurance Repairs
One of the most important decisions you’ll make after an accident is where to take your vehicle for automotive services. Insurance companies often suggest preferred repair shops, but in most states—including Louisiana—you have the right to choose your own body shop. This means you can select a trusted provider like Armadillo Automotive, known for its quality work, transparent pricing, and customer-first approach.
Working with a reputable shop is critical. A proper automotive repair job doesn’t just restore appearances—it ensures your vehicle is safe to drive and maintains its value. Quality repairs also prevent future issues that might arise from rushed or incomplete work.
When Repairs Aren’t Worth It
Sometimes, the cost of bodywork exceeds the value of the car. In these cases, the insurance company may declare your vehicle a total loss. If this happens, they’ll typically offer you a check for the car’s market value instead of covering the repairs. It’s frustrating, but it’s part of how insurance policies are structured. That’s why it’s important to regularly evaluate your coverage and vehicle value to ensure you’re not underinsured.
Get Reliable Help from Armadillo Automotive
At Armadillo Automotive, we specialize in automotive services and repair, including expert bodywork for vehicles damaged in accidents. We work with all major insurance providers and help our customers navigate the claims process from start to finish. Whether you need dent repair, panel replacement, painting, or frame work, our team is ready to restore your car to its best condition.
Don’t wait to get back on the road—contact Armadillo Automotive today for trusted, professional care after a collision. We’re here to make the repair process smooth, affordable, and stress-free.