American Auto Body and Collision now repairs motorcycle collisions in Tulsa.  That’s good news! If you or someone you know has recently damaged their bike and is looking for someone to take it to, we are here to help you!  Today, I want to tell you two versions of the same story.  One leaves you happy with a bike that looks brand new while the other gives you that same bike but  leaves you with a higher insurance bill.  

Our Motorcycle Collision Repair Technicians

We are American Auto Body and Collision.  Fixing people’s collisions is kind of what we do.  Our technicians are as skilled as they come.  We take the time to analyze your specific vehicle and situation to determine what the best course of action is for YOU. Before we get started in this blog post, call us at (918) 323-4909 or email us at info@americanabac.com if you’re ready to schedule an estimate. 

Motorcycle Collision Story Time

We promised you a story so here it is. 

Imagine it’s August, and it’s a warm 85°F outside.  You just got off of work and the sun has yet to set behind the hills.  You want to ride your bike. We don’t blame you – we would too!  You pull it out of your garage and get on the road. All is well.  While on the road someone decides to pull out in front of you.  You weren’t expecting it so you swerve and end up laying your bike down. 

You got a little scraped up but you’re ok.  The real question is how is your bike? You take a few minutes to examine it. The whole side of your bike took damage.  

What are you going to do? You just need someone to fix the bike, but don’t want your insurance to go up in price. That’s where American Auto Body and Collision comes in.  We are here to make the process of fixing your motorcycle collision easier. Whether you choose to file an insurance claim or simply fix your bike outside of insurance, we are here to help you make that decision today. 

After an Accident will my Insurance Premiums Raise?

So you got in an accident, the question everyone is wondering is will the insurance premiums go up?  The answer to that question is maybe… We know not the answer you were looking for, but nevertheless that’s the one we can provide.  There are a lot of factors that go into your insurance premium costs and we are going to list out a few now. 

Factors

Cost and Severity of Accident

It really does just boil down to how much it costs to fix your stuff. If you’re costing the insurance company a lot of money by filing a really expensive insurance claim, then they will want to raise your premium to recoup some of those costs.  When the insurance adjuster reviews your claim, the premiums you pay are affected by how intense that crash was.  If it was a minor fender bender, then you’re less likely to have your insurance premiums go up, but if it was an extremely severe car accident then it’s more likely that your premiums might go up. 

Your Driving Record

There are two things that affect your premiums: history and recent claims. Insurance companies base all their prices up probability.  What’s the probability that they will have to pay money out because you wrecked your car?  So when your insurance prices go up it’s because you’re more likely to have a car wreck.  

The thing about probabilities is that they’re adjusted based upon your actions.  So if your short term history shows an upward trend in probability that you’ll get in another car wreck, then you’re more likely to see your insurance premiums rise.

Who’s at Fault?

The next question the insurance company is going to ask when factoring if they will raise your premiums is, “Who’s at fault?”  If you are at fault for the accident, then you’re more likely to see your premiums rise. 

How long will my Insurance Premiums be raised for?

This depends on the insurance company, but many times you can expect your insurance premiums to be raised for an average of 3 years. After those three years, many times it will start to go down gradually.  One additional thing to factor in may be your “safe driver discount”.  Of course after you get in a car accident that discount may go away meaning even if your insurance premiums don’t go up, you may still have to pay more.

What about Accident Forgiveness? 

Some insurance policies have what they call “accident forgiveness”.  That means regardless of who is at fault, your insurance premiums typically won’t go up. That word typically is the operative word because this is based upon your specific insurance policy so make sure you read the fine print. 

Call Us Today!

Call (918) 323-4909 and we will schedule an appointment to do a thorough inspection of your vehicle. In this inspection we will determine the extent of the damages to your vehicle and what we can do to fix it.  

In our story from before, the good news is there isn’t any structural damage.  So what happens? 

We here at American Auto Body and Collision get your bike into the shop and work with you to go outside your insurance to repair the bike without breaking the bank in the process. This keeps your insurance from going up and gets you in and out fast. We fix the cosmetic issues and make sure the bike is running properly. 

More Information 

We are open 8:00AM to 5:00PM Monday through Friday ready to give you motorcycle collision repairs that get you in and out of the shop. For more information call us (918) 323-4909 or check out our testimonials!