The structural elements of the vehicle are the most expensive to repair in the event of an accident.
Taking the car to the workshop often involves, in many cases, a significant outlay of money. One way to prevent this from happening is to keep the vehicle in good condition. However, there are other unforeseen damages that occur after a traffic accident. Depending on the severity and parts of the car affected, the cost of repair will be higher or lower. For this reason, there are insurance policies that, in addition to protecting the damage caused to third parties, also cover the damage of the car itself, such as comprehensive insurance.
What are the most expensive repairs to insurance after a claim?
According to GT Motive data, more than 88% of repairs made in garages are paid for by insurance. Given this high turnover, many insurers have associated workshops.
In addition, it states that’ if the damage occurs in the central area, repair costs increase exponentially because it is a virtually undeformable area, since it is responsible for protecting the occupants’. This usually happens after a major impact.
Conversely,”the front and rear zones are designed to transform kinetic energy (generated by motion or speed) into deformation energy. This explains why these types of parts are less damaged and more affordable to repair.
However, the key factor in determining the severity of an accident is speed. Damage suffered is often directly proportional to the speed of a vehicle’s movement, which also affects areas that can be damaged.
Lateral, frontal and rear impacts
As for the gravity of the impacts, Andrés Herrera states that the laterals are usually the ones that cause the most deformations in a vehicle. Structural elements that are damaged after such an impact are usually doors, flaps, pillars, abutments, stirrups, shock absorber turrets, etc. The mechanical parts that can be damaged are bridges, wheels, bushings, bearings…”.
Side impacts are the ones that cause the most deformations in a vehicle.
On the other hand,”frontal accidents cause structural damage to bumpers, sleepers, foreheads, fins, wheel arches and main and top beams; and mechanical damage to radiators, fans, sleeves, etc.”.
In terms of rear impact, the parts that are damaged are the bumper, sleeper, fins, wheel arches, trunk floor, tailgate and tail rails. In addition, depending on the intensity of the impact, some of the components of the vehicle’s rear axle may be lost.
Which cars are most expensive to repair
With regard to the type of vehicle, Andrés Herrera explains that “if the damage caused affects the mechanical elements, the cost of repair will be higher in a hybrid vehicle than in a gasoline or diesel vehicle, mainly due to the increase in the price of parts. In the same way, it will also be more expensive to repair a high-end vehicle than a standard one. However, when it comes to structural elements, the repair price will only be different if the car model varies.
What are the most expensive breakdowns in a car?
In addition to damage caused by an accident, the car may require repairs for other reasons. Neglecting vehicle maintenance, misuse, or even using a poor quality fuel can damage the vehicle’s mechanical components and repairing them is often quite expensive.
Among the most expensive repair elements is the turbo. The price of a new one is between 1,000 and 5,000 euros, depending on the vehicle. In addition to this, we have to add the labor, which is usually about 8 or 9 hours. This malfunction is usually caused by running with the engine very revolutionized, with excess temperature, lack of lubrication or impurities in the oil, among others.
Other components that cost more money are injectors, especially diesel because they are more expensive. They are usually damaged by use, but can also be caused by poor fuel quality. Replacing them costs around 2,000 euros and about 30 hours of labour.
The fuel pump is a very delicate part. It is often broken by the consumption of poor quality gasoline containing water or metal. If this happens, the repair costs between 700 and 2000 euros and requires between 8 and 20 hours of labour.
Breakage of the timing belt is another major expense. It’s not so much the cost of the strap itself as the damage it causes when broken. Repairing all the elements that can damage entails an expense of between 300 and 2,500 euros, plus labor of between 8 and 20 hours.
Gripping the engine
Another of the worst faults that a vehicle can suffer is the engine flu. This happens because it is subjected to a very high temperature. The price of the repair does not usually fall below 1,500 euros and can reach up to 6,000.
Cylinder head gasket
Replacing the cylinder head gasket is very laborious, it takes between 15 and 25 working hours and the cost of the part ranges from 400 to 800 euros. It usually occurs due to engine overheating. To avoid this, it is advisable to periodically check the vehicle coolant
Although less frequent, the gearbox can also break down. This is usually due to neglect of vehicle maintenance or bad practice when changing gears. The cost of repairing or replacing damaged parts ranges from 1,000 to 3,000 euros.
Repairing a car after an accident
Although all vehicles are obliged to have at least Civil Liability insurance, this will only be liable for damages caused to third parties, but not those suffered by the insured car itself.
If the situation occurs the other way round and it has been someone else who has caused the incident, it will be your insurer who will have to pay for the repair of the damage, regardless of the insurance that the other vehicle involved has taken out.
All Risk Insurance
However, if the insured person wants to have a more complete protection and if his or her insurance covers the damages that may be suffered by his or her vehicle, he or she has to take out a comprehensive insurance policy, the only one that has its own damage coverage. This means that the insurance company will cover the costs of repairing the car in the event of a claim, whether the driver is at fault or unknown (for example, if the car was parked in the street and someone breaks a rearview mirror).
How do you assess whether a car can be repaired or declared a total loss?
When there is a serious accident, in which the car is seriously damaged, or a major breakdown, can not always be repaired or compensated financially. In this case, according to Andrés Herrera, professor of Automotive and Electromechanics, it will be necessary to prepare an expert appraisal or repair estimate, which will be carried out by an expert appraiser or an authorized workshop.
If the vehicle’s repair value is greater than its market value, it is normal for the car to claim total loss.
In this way,”the first thing to be calculated is the market value of the damaged vehicle. Behind this, there are several possibilities. The first is that the repair value is greater than the market value. If this happens, the vehicle will be declared a total loss and its remains will be scrapped. As far as compensation is concerned, if the owner has Full-Risk insurance or has not been at fault for the accident, the insurance company will have to pay you the amount of money stipulated in each case. On the other hand, if the value of the repair is less than or equal to the market value of the car, it can be repaired and the insurance will cover the costs.