Owning and running a vehicle can be costly sometimes. Unfortunately, there are times when things break unexpectedly. If something has gone wrong and it makes your vehicle unsafe to drive, you’ll need to take it to the garage for car repairs.
However, repairs can be extensive and require a lot of work and new parts. The costs can add up, and it’s not always affordable. Here’s what you should do if you can’t afford car repairs at the time that you need them.
Discuss The Car Repairs With Your Insurance Provider
Sometimes an unexpected repair job can be covered by your insurance. If you’re struggling to put together the money for your car repairs, have a chat with your insurance provider. You’ll also get the added benefit of a courtesy car if you need one, depending on your policy. The claim process can take a while, so you may need to be patient if you decide to go down this route.
Check Your Warranty
If your vehicle is relatively new and you already need car repairs, check if it’s still covered by the warranty. New vehicles should be covered by the manufacturer, and second hand ones usually have a warranty from the dealership or a third party provider. Not all types of repair work will be covered, so check it closely and ask questions if you need to.
Talk To The Garage
Ask the garage how important the repairs are, as you may be able to use it for a short while so you can save for the repairs. Sometimes there are ways of getting the repair work done cheaper. If there are several things that need to be done, you might be able to get the most important things completed first to make the vehicle safe. Then you can complete the rest of the work in a more manageable time frame.
Use A Credit Card
If you just need to wait for next month’s pay packet to afford your car repairs, you could put it on your credit card. This is the quickest and simplest option, especially if you’re able to make the repayments quickly.
Get A Car Repair Loan
As a last resort, you could shop around for an auto repair loan. There are many providers on the market, so have a look for the best repayment terms you can find. If you have a friend or family member who is able to loan you the money, this would also work. Just make sure you’re able to make the repayments, regardless of where you got your loan from.
For Car Repairs, Choose SCC Autos
If your car is damaged and needs repairs, give us a call. We can get you booked in, assess the problem and make sure you’re safe to return to the road.