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- calendar_today October 19, 2026
Deciding How to Cover Car Repair Costs
When car owners face vehicle damage, whether from minor dents or other issues, they often have to choose between paying for repairs out of pocket or filing an insurance claim. The decision can have implications on car repair costs, future insurance premiums, and the overall hassle involved in the repair process.
Advice from a Missouri Car Expert
David Finkelstein, a recognized Missouri car expert, recently shared his perspective on this topic. Speaking with Show Me Today, Finkelstein provided key auto repair advice for car owners weighing their car repair options.
The Balancing Act: Out of Pocket vs. Insurance Claims
According to Finkelstein, choosing whether to file an insurance claim or pay out of pocket depends on several factors. Small repairs, such as paintless dent repair or fixing minor car damage, may cost less than the insurance deductible. In these cases, handling the expense yourself could be the more economical choice, especially to avoid potential increases in car insurance premiums resulting from a claim.
However, for larger or costlier repairs, using insurance may be the safer option to help manage higher car repair costs. Every situation is unique, making this a key repair decision for vehicle owners to consider carefully.
Importance of Post-Repair Vehicle Inspection
Beyond the initial car repair options and costs, Finkelstein emphasized that the job isn't done once the car leaves the shop. A thorough vehicle inspection after repairs is crucial. Car owners should check that the repairs meet quality expectations before driving away. Ensuring repair quality protects both your vehicle and your investment in the repair process.
Takeaways for Car Owners
- Evaluate the type and extent of car damage before choosing how to pay for repairs.
- Compare the cost of repairs to your insurance deductible to make an informed decision.
- Understand that filing insurance claims may impact future insurance rates.
- After repairs, perform a detailed inspection to confirm everything was completed properly.
With careful consideration of repair decisions and a focus on post-repair vehicle inspection, car owners can protect their vehicles and their wallets. Drawing on insight from a Missouri car expert, these steps offer practical guidance for anyone navigating car repairs and costs.
Source: missourinet.com.
