"Dent Repair" "Scratch Repair" - Auto Insurance Claims Raise Premiums: Minor Auto Dent and Scratch R

Published: 09th September 2008
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In the US, the average car insurance deductible is between $200 and $500. The increase in insurance premium can cost hundreds of dollars annually. Considering these factors, consumers should determine whether the rise in insurance premium is worth making an insurance claim for small dents, scratches, and other damages. Often, using a local repair shop and paying the repair bill without making an insurance claim is cheaper and faster than going through the red tape and hoop jumping of the insurance claims process.

Paintless Dent Repair (PDR) is one common form of repair for minor dents. PDR is an acceptable form of repair in some cases. However, in many cases, PDR leaves the vehicle with visible damage or areas that will show visible damage during weathering and aging processes. There are several techniques for repairing dents without repainting, but these techniques only work in very optimal situations. When there is already paint damage or the dent has deep or sharp creases, painting is usually required. The flexibility of the paint and metal and the amount the metal stretched during the incident limit the success of PDR techniques. PDR is a method often used to prepare the vehicle for painting or as a cheap solution to dent reparation. Though it is slightly cheaper than more involved dent repair, it often leaves consumers unhappy when damages become visible several years after the repair.

The limitations of PDR are obvious. Consumer-savvy motorists should consider using a company who paints all dent repairs to avoid future issues with the damaged area. Repairing the dent or scratch and then repainting the area eliminates the change of visible damage later in the vehicle's lifetime. Painting the repair site also lessens the possibility of rusting along the dent lines.

When determining the company to use for your small body repairs, consider the cost, convenience, and processing time of the company. Look for a shop that offers immediate service at competitive pricing. Make sure the repair shop you choose offers a warranty that guarantees the repair against future visible damages and paint flaking.


Steven Leon is a franchise owner of Colision on Wheels. Located in Warren, Michigan



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