Inside Draper's Leading Auto Collision Shop: What Insurance May Not Cover

Draper, UT– Many vehicle owners assume their insurance policy covers all collision repair costs after an accident. Karl Malone's Body & Paint in Draper, Utah, reports that this assumption leads to financial surprises for drivers throughout the region. The gap between what insurance pays and actual repair costs regularly reaches hundreds or thousands of dollars.

How Insurance Coverage Falls Short During Collision Repair

Standard auto insurance policies contain multiple exclusions that catch drivers off guard. Karl Malone's Body & Paint works with insurance companies daily and sees these coverage gaps affect customers regularly.

Deductibles and Out-of-Pocket Expenses

Every collision claim requires the policyholder to pay their deductible before insurance coverage applies. Common deductibles range from $500 to $2,000. A driver with a $4,000 repair bill and a $1,000 deductible receives only $3,000 from insurance. The remaining balance becomes their responsibility.

This deductible applies to every claim filed. Two accidents in one year means paying the deductible twice. No annual maximum or reset exists for most policies.

Parts Restrictions Affect Repair Quality

Insurance companies typically default to aftermarket parts rather than original equipment manufacturer components. According to the National Association of Insurance Commissioners, the average incurred loss per collision claim increased 13.08 percent from $4,612 in 2018 to over $5,215 in 2020. Insurers use aftermarket parts to control these rising costs.

Drivers who want OEM parts must either purchase an OEM endorsement on their policy or pay the price difference themselves. Karl Malone's Body & Paint discusses parts options with every customer and explains which repairs genuinely require OEM specifications.

Rental Car Coverage Gaps

Standard collision policies do not include rental car reimbursement. This coverage requires a separate purchase. Auto collision repair can take anywhere from three days to four weeks, depending on damage severity. Without rental coverage, transportation costs fall entirely on the vehicle owner.

Even when rental coverage exists, daily maximums and total caps often prove insufficient. Extended repairs can exceed these limits, leaving drivers to pay the difference.

Additional Coverage Exclusions Drivers Should Know

Karl Malone's Body & Paint identifies several other areas where insurance falls short:

• Diminished value claims are excluded in most first-party situations
• ADAS calibration costs face frequent disputes or denials from insurers
• Betterment charges reduce payments on older vehicles when new parts replace worn components
• Storage and towing reimbursements carry strict limits that may not cover actual fees

Why Collision Repair Near You Matters for Insurance Claims

Choosing a local repair facility with insurance claim experience makes a measurable difference in the claims process. The shop handles all aspects of insurance coordination for customers in Draper and the surrounding Utah communities.

The team files initial claims, negotiates with adjusters for fair estimates, and documents all damage thoroughly. When hidden damage appears during repairs, they coordinate supplement requests with insurance providers. This advocacy helps customers receive maximum reimbursement under their policies.

Transparency Before Repairs Begin

Karl Malone's Body & Paint explains coverage gaps honestly before starting any work. Customers know exactly what insurance covers and what falls to them. This approach eliminates surprises when vehicles are ready for pickup.

The facility also offers rental car assistance, coordinating with rental companies and insurance providers to minimize hassle and additional costs for customers.

Get Trusted Collision Repair with Full Insurance Support

Vehicle owners seeking auto collision repair in Draper, UT, can reach Karl Malone's Body & Paint at (385) 421-5780 or by email at RBeck@GoMalone.com. The facility is located at 11535 South Lone Peak Parkway in Draper, Utah.

If you are searching for a reliable collision repair near you in Draper, you’ll find a team committed to transparency, quality workmanship, and customer advocacy throughout the insurance claims process. Karl Malone's Body & Paint helps customers receive fair treatment from insurance companies while restoring their vehicles to pre-accident condition.

Contact Information:

Karl Malone's Body & Paint

11535 South Lone Peak Parkway
Draper, UT 84020
United States

Russ Beck
(385) 421-5780
https://karlmalonesbodyandpaint.com/