Does insurance cover collision repair?

The Body Shop Nampa team repairs collision-damaged vehicles every day in Nampa, Idaho, and one of the most common questions we hear is whether insurance will cover the cost. Here's how it generally works.

COLLISION COVERAGE

Collision coverage pays to repair your vehicle after an accident, regardless of who was at fault, minus your deductible. If another driver caused the accident, their liability insurance typically pays for your repairs instead — and you usually won't owe a deductible.

COMPREHENSIVE COVERAGE

Comprehensive coverage handles non-collision damage like hail, falling objects, or hitting an animal. Idaho hail storms, for example, are usually a comprehensive claim, which is great news for paintless dent repair.

YOUR DEDUCTIBLE

Your deductible is the amount you pay out of pocket before insurance covers the rest. We'll explain exactly how your deductible applies to your repair and what to expect before any work begins.

YOU CHOOSE THE SHOP

Remember, in Idaho you choose your own body shop. Body Shop Nampa works with all insurance companies, documents the damage properly, and handles the paperwork so the process is simple. Call (208) 703-7402 for a free estimate.