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Monthly Archives: January 2018

Auto Repair Emergencies: Tips to Covering the Costs

It goes without saying that there will come a day when your car won’t be as efficient as the day you bought it. No matter how diligent you are about keeping up with maintenance, sometimes, cars just break down. While some repairs can be easy to tackle, others cost hundreds or thousands of dollars that you don’t have available. Rather than doing without your vehicle for a while, it is best to look into options such as these to get you out of a bind:

Car Insurance

Was your car damaged in an accident? Whether you were in a head-on collision or your car was sideswiped while parked in front of your home, you could get financial coverage from your insurance provider. Since your insurance provider will require a deductible and your premium rates may increase, you’ll want to get an estimate on the repairs first to determine whether it is worth filing a claim. If the cost of repairs is more than your deductible, file a claim. Your insurance provider will have the car looked at and pay an approved mechanic to fix it for you.

Quick Online Loans

If insurance isn’t going to cover what’s going on with your car, there are fast cash loans you can apply for online. Credit isn’t something to worry about as most lenders don’t require a credit check. The approval is determined in minutes and funds totaling as much as $1200 can be deposited into your account within 24 hours in most instances.

Warranties

If your car is fairly new and you purchased it with a warranty, you may not have to come out of pocket at all. You’ll need to contact the dealership or warranty provider to determine if the repair is covered under the contract. As long as it isn’t wear and tear like oil changes, tire rotations, and brake pad replacement, a full warranty service contract should cover the expense.

Car Repair Insurance

If you have an older car that doesn’t have warranties but have supplemental insurance known as car repair insurance, you could file a claim and have services taken care of for you. Car repair insurance policies aren’t mandatory and therefore, are something you would have purchased on your own and have been paying on regularly. If the repair is covered under the contract, you’d simply be retired to pay a deductible and the car repair insurance provider will issue funds to the mechanic of your choice (or within their network of mechanics).

Earn the Cash

This may not be the quickest solution, but is sometimes the only avenue you have to take. Though your paycheck might not be enough to cover the repair, there are ways you could earn some quick cash towards the bill. Complete lawn care services for a few neighbors, walk dogs, house sit, or babysit to get the additional funds you need.

 

For most people, your car makes it possible for you to get from one point to another. So, when it breaks down, it can throw a monkey wrench in all of your plans. When you don’t have the money tucked away to handle financial emergencies such as a car repair, the above-mentioned resources should help.