Jons Auto Body Tips – Tip #3 – Insurance Claim vs a Private Fix

Jon Bergen Auto Body Tip

Bergens Auto Body is a family owned SGI Elite auto body shop and a Trusted Regina collision repair expert.  From the moment you walk in the door, you will be treated like family! We are proud to have over 80 Years Auto Body Experience, and have been serving Regina Autobody needs for over 30 Years….In our latest Bergens auto tip, we continue the a new series – Jon’s Auto Body Tips! In this vlog series Jon Bergen will share his expertise and answer the FAQs they hear the most at the shop, here is the third tip on the pros and cons of insurance claim vs a private fix.


Considering an Insurance Claim Vs A Private Fix For Your Vehicle?

The physical damage your vehicle suffers from a collision is covered by your basic plate insurance, subject to a deductible. The deductible is the amount you must pay before your basic plate insurance covers the rest of the costs. Most vehicles with basic plate insurance have a $700 deductible.

If you have minor damages that will be less than your deductible to fix and you won’t make an insurance claim, you can pay for the repairs on your own. This is also true if you are responsible for the damage.

Jon explains this and more in the video below.

weighing up apples and oranges

Insurance Claim Vs A Private Fix

Still not sure which is best?

If you are not sure which is the best route – contact us at Bergens today and we can evaluate your needs to give you the best advice when choosing between an Insurance Claim vs a Private Fix for your vehicle.

Other Helpful Info:

Deductible Payment Plan

If you have basic plate insurance and you’re eligible, you can use the Deductible Payment Plan to pay your deductible over 10 months.

Reduce your deductible

If you want to pay a smaller deductible, you can buy an SGI CANADA Auto Pak with the deductible option that works best for you.

Coverage for vehicle damage

Your vehicle is covered for its actual cash value. This is the market value of your vehicle when compared to similar vehicles, with similar equipment, mileage and condition as your vehicle.

Coverage limitations

There are some limitations on vehicle damage coverage. For example:

  • Loss or damage to a vehicle insured under antique use
    • $800 less your deductible of $500
  • Loss or damage in classes A, C, D or TS (commercial trailers)
    • unless it says otherwise, limited to $15,000 or the declared value, less your deductible
  • After-market audio, visual, sound or communication equipment
    • capped at $1,500 per incident or collision – $2,200 less your $700 deductible

If your vehicle is damaged, take steps to make sure more damage doesn’t happen. For example, if your vehicle’s window is broken, put a plastic cover over the window to prevent water damage from rain.

Extra damage coverage

For increased protection, you can choose to buy extra damage coverage with an auto extension policy through your insurance broker.


Here at Bergen’s Auto Body & Collision Centre, we treat you like family and that means we work hard to give your vehicles back to you properly and most importantly safely!

Tips for driving in a blizzard

Bergen’s AutoBody & Collision Centre are TRUSTED REGINA AUTO BODY EXPERTS…and they are waiting to help you.