Is It Necessary To Have Paintless Dent And Ding Insurance

The following is everything you need to know about dent and ding insurance.

– The cost to repair door dents can range from $50 to $500.

– Dent insurance isn’t worth the money if you aren’t bothered by seeing damage on your car.

– Some of the main ways to help avoid getting dents is opening your car door carefully, not hemming other cars in and parking away from other vehicles.

It’s an inevitable aspect of owning a vehicle: you park your car, have lunch or run an errand, and then return and see a brand new dent on your vehicle. Most likely you will have to pay for the repair out of pocket, given that the cost of a majority of paintless dent ranges from $60 to $100, which is well below a majority of car insurance deductibles.

There is fortunately door ding insurance. For around $300 to $600 per year, you can have dings on your car repaired and not need to worry about it. However, is it really worth it? First of all, there are a couple of things that you need to understand about dents and dings, and what you think about your vehicle.

Those Darn Dings

Yes, dents and dings can be annoying and are unsightly. However, in a majority of situations, they aren’t serious repair issues. Your vehicle will still work well, it just won’t be as attractive as it used to be. It may not be worth fixing if it doesn’t really bother you.

However, if the paint has been scratched, then probably you should think about repairing the paint, since paint resists rust as well as other problems that may ruin your car. Or course if you want to sell your vehicle, you are going to want to look as good as possible.

When it comes to small dings, it isn’t necessary to take it to a body shop. You can just apply something to the dent that is very cold. This will cause the metal to contract and you can pop the dent right out. You can hold a computer air duster upside down, use dry ice or anything else that is very cold.

How much will it cost if you don’t want to fix it yourself and would like to take your car to a body shop instead?

For a one-inch dent it will cost from $60 to $120, and for every additional half inch it will cost another $25 to $50. So a three-inch dent, if you are very lucky will cost $260 or $510 if you aren’t.

Various technique have different costs, with varying levels of effectiveness.

For instance, the most commonly used dent technique currently is Paintless Dent Repair since it is simpler and much less expensive than other kinds of bodywork techniques such as using Bondo to fill in the dent, sanding and painting, or removing the door panel and using a hammer to get out the dent.

Paintless Dent Repair involves using a specialized tool set to basically pop out the dent from the inside. This has the advantage of letting you repair the creases that are in the metal.

You can purchase the tools necessary online for less than what it would cost to have a professional do the job. However, it is something that is easy to mess up. One mistake could end up breaking the paint. Call your auto insurance company to find out what kinds of coverage covers common dents and dings.

How Common Are Dents And Dings?

Getting statistics regarding door dings is hard to do, since people don’t usually report a claim for these to their insurance companies, particularly if their deductible amount is higher than what it will cost to have the ding repaired.

We do know that they are fairly common; even very respectful and careful drivers can easily get them, say at a mall when parked next to the wrong vehicle at the wrong time. They get repaired frequently enough that it is what pays the bills for many body shops.

However, out of all the drivers out there, which ones should think about dent and ding insurance?

Basically individuals who really hate dents and dings, and anyone who needs their car to be kept completely pristine.

For instance, if you have a 1996 Taurus that you use for running errands and such, but also have a well maintained and tune Barracuda inside your garage that you drive to parades and shows, paying $400 for covering the Taurus is probably something you wouldn’t want to do, but it would be worth every penny for the Barracuda.

Or maybe you are a salesperson and need to keep up a certain image, and dings really don’t fit with that. Or perhaps you are just really OCD and hate dents with a passion.

So if you would like to get the best car insurance, how do you go about obtaining it?

Have Your Car Inspected

Have your insurance company”s professional inspect your car. However, before doing that, you should probably have your car professionally cleaned, since dirt can sometimes be mistaken for scratches. To reduce the scratches, you might want to have your car repainted as well. This will help to make it easier to file claims and reduce the cost of your car insurance.

You will need to follow along with the inspector and photograph any potential flaw on the car’s body. You will only be paid for damages that take place after you buy your policy.

After you have singed off on your inspect, you won’t have to worry because you have an insurance policy now.

Prevention Is The Best Cure

Even if dings are not something you care about, you can still limit them if you do the following things:

– Be polite when you park: don’t hem other cars in on the sides of you if possible. Numerous door dings get caused by individuals attempting to squeeze into their vehicles after someone has parked to close to them inside of a garage.

– Avoid parking too close to another car. It’s worth it to try and limit someone else’s door tagging your car.

– Avoid inflicting dings on your own car: Be careful when opening your door and be respectful of other drivers around you. We don’t have any statistics on the number of dings that occur due to revenge, however think about all the things people tend to do when they are angry.

Try to avoid driving on roads that are covered in rocks or gravel; they can cause a lot of dings and scratch the paint on your car as well.

Watch the weather and make sure your vehicle is under cover if there is any chance of hail.

In summary, it is worth it to get ding and dent auto insurance if you are very protective of your car, really hate dings, or have a tendency to get lots of dings. Just keep in mind that being courteous will help you out as much as a good insurance policy will.

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