Covering the Financial Costs of Repairing Your Car Bumper

If you’re involved in a collision and your car bumper isdamaged, your car insurance should be able to cover the cost of repairs. Overthe years bumpers have increased in size, effectiveness and aesthetic appeal.As a result they’re now more costly to repair or replace so it is worthchecking specifications relating to bodywork in your car insurance policy.

The UK is home to a large number of car insurance providers.If you decide to compare different car insurance policies online, be aware thatcheap car insurance policies tend to offer limited cover and may notnecessarily include your bumper.

As cars have developed, bumpers have become more effective.They now help to reinforce the vehicle, protecting passengers and engine partsduring a collision. There were 170,591 road accidents reported to the policeinvolving personal injury in 2008, 6% fewer than in 2007[1]. One of the reasonswhy this figure keeps decreasing year on year may be the increasedeffectiveness of bumpers along with other improved safety features.

However, whilst bumpers are now more effective in seriouscollisions, they may not fare so well in minor scrapes. The original purpose ofbumpers was to protect vehicles going over low speed bumps. This meant thatbumpers were relatively simple, unglamorous parts of a car and could be cheaplyand easily repaired or replaced.

The ergonomic design of many modern bumpers may increase theoverall attractiveness of a vehicle, but this design change also hasdisadvantages: although bumpers now form an integrated part of the vehicle’soverall aesthetic appeal, they no longer function as effectively assacrificial, shock absorbers.

Rather than cushioning low impact bumps and grazes, modernbumpers are easily marked, scratched, cracked and dented. Although bumpers wereoriginally designed to protect your car, it is now possible to buy buffers toprotect your bumper! In addition, because bumpers are now an elegant part of acar’s overall bodywork, if you’re involved in an accident and your bumper isdamaged it can often be more complex and costly to repair.

After an accident if your car can still be driven legallyand is roadworthy, reputable car insurance companies will deliver a courtesycar to you when your car is picked up for repairs. In this way, car insuranceproviders can keep you mobile while your car is being fixed. Before long yourvehicle should be back with you, looking as good as ever.