The Truth About Insurance & PDR – What’s Covered?”
The Truth About Insurance & PDR – What’s Covered?
If your car has dents or hail damage, you may be wondering if insurance covers paintless dent repair (PDR). The good news? Many insurance policies do cover PDR—but the process can sometimes be confusing.
At Autoworks of Nashville, we help customers navigate insurance claims for dent repair and work directly with all major insurance companies. Here’s what you need to know about insurance and PDR coverage.
✅ Does Insurance Cover Paintless Dent Repair (PDR)?
✔ Yes, PDR is covered under comprehensive insurance policies for hail damage, minor dents, and door dings.
✔ PDR is often the preferred method for insurers because it is cheaper and faster than traditional body shop repairs.
✔ Coverage depends on your policy, deductible, and cause of the damage.
💡 If your dent was caused by an accident or natural event, PDR is likely covered!
🚗 Types of Damage Insurance Will Cover for PDR
Most comprehensive auto insurance policies cover PDR for the following:
✔ Hail Damage – Multiple dents from a hailstorm.
✔ Parking Lot Damage – Door dings from another vehicle.
✔ Falling Objects – Tree branches, acorns, or debris hitting your car.
✔ Minor Fender Benders – If another driver bumps into your vehicle and causes a dent.
💡 If the dent isn’t your fault, your insurance company may cover 100% of the repair!
❌ When Insurance May NOT Cover PDR
Insurance companies may deny PDR coverage if:
❌ The damage is considered “wear and tear” (small dings that happen over time).
❌ Your deductible is higher than the repair cost—for example, if your deductible is $1,000 but the repair is $500.
❌ The dent was caused by an at-fault accident, and you don’t have collision coverage.
❌ Your policy only covers major accident repairs and excludes minor dents.
💡 Check your policy or contact us for a free insurance consultation!
📄 How to File an Insurance Claim for PDR
Step 1: Assess the Damage
✔ Take clear photos of the dent and the affected area.
✔ If caused by hail, document the time and date of the storm.
Step 2: Contact Your Insurance Provider
✔ Call your insurance company to report the damage.
✔ Ask if your policy covers PDR and what your deductible is.
Step 3: Get a Repair Estimate
✔ Visit Autoworks of Nashville for a free PDR estimate.
✔ We’ll provide a detailed repair report to submit to your insurer.
Step 4: Get Approved & Schedule Repairs
✔ Your insurance may send an adjuster to verify the damage.
✔ Once approved, schedule your PDR appointment and we’ll handle the repairs!
💡 We work with insurance adjusters to make the process easy and stress-free!
💰 Insurance PDR Cost Breakdown
| Dent Type | Estimated PDR Cost | Covered by Insurance? |
|---|---|---|
| Hail Damage (Multiple dents) | $1,500+ | ✅ Usually Covered |
| Door Dings from Another Car | $100 – $500 | ✅ If Claim is Filed |
| Falling Branch or Debris | $250 – $1,000 | ✅ If Comprehensive Coverage Applies |
| Minor Fender Bender Dent | $500 – $1,500 | ✅ If Covered Under Collision Insurance |
💡 PDR is often covered because it’s cheaper for insurance companies than full-body repairs!
Frequently Asked Questions (FAQs)
Q: Will my insurance premium go up if I file a claim for PDR?
A: Not usually! If the damage was caused by hail, a falling object, or another driver, it’s considered a no-fault claim and won’t increase your rates.
Q: Can I get PDR without going through insurance?
A: Yes! If the repair cost is less than your deductible, paying out of pocket for PDR is often the best option.
Q: Does PDR work for insurance claims on leased or financed vehicles?
A: Yes! Leased and financed cars must maintain original factory paint, so PDR is the preferred repair method.
Q: How long does the PDR insurance process take?
A: Most claims are approved within 24-48 hours, and PDR repairs take 1-3 days, depending on the severity of the damage.
📞 Still have questions? Call us for a free insurance consultation!
Let Us Handle Your Insurance PDR Claim!
Navigating insurance claims for dent repair can be overwhelming, but we’re here to help. At Autoworks of Nashville, we work with all major insurance providers to ensure a hassle-free experience.
📞 Call Now: 615-872-0075
📍 Visit Us: 2843 # C Lebanon Pike, Nashville, TN 37214
🌐 Website: www.autoworksofnashville.com
🚗 Let us take care of your dent—and your insurance claim!
