How Auto Car Repair / Service / Care Insurance Works in Houston
Similar to car auto insurance, an auto repair / service / care insurance in Houston policy is a contract between a vehicle owner and the car insurance company, which binds the company to pay for all repairs done on the vehicle for a fixed length of time.
Coverage varies widely from company to company and few states in the U.S. regulate auto insurance coverage. So it’s important to become familiar with auto repair insurance terms and industry requirements, while also understanding how auto repair insurance is regulated in your state.
What It Covers
A standard auto repair insurance policy typically covers the breakdown and the wear and tear of your car, although the two are not always mutually inclusive. Some companies may only offer breakdown coverage, which means they are only liable to pay for repairs necessitated by breakable parts. If you want a wear and tear policy as well, which covers parts that wear out over time, you may need to purchase that from a separate company or shop around for a car insurance company that offers both.
There are also auto repair insurance policies that cover the engine, transmission, and other parts of a vehicle through which oil flows. However, this would be least preferable in terms of coverage, since it does not include a majority of a vehicle’s components.
Bumper-to-bumper policies are also available from some car insurance companies, which cover nearly all the mechanical systems of a vehicle (from bumper to bumper). If there are any exclusions, the policy will list the parts that are not covered. For instance, policies do not cover parts like brake pads and windshield wipers. Likewise, most policies do not cover overheating resulting from a faulty radiator.
Before you buy your auto repair insurance, make sure you know exactly what is covered, as well as how much you will be paying by way of deductibles. Even if the manufacturer’s warranty has lapsed, you can still receive coverage on vehicles that have done less than 100,000 miles. But keep in mind that as your vehicle clocks up the miles, the cost of a policy will increase, as will repair costs.
A perk you’ll want to know about: if you buy a transferable policy, you can actually leverage it to increase your car’s resale value.
While most people are very aware of the benefits of having auto insurance, few understand how auto repair insurance can protect you from unexpected repair bills. Now you have a better understanding of how it works so you can make an informed decision on whether this type of insurance is right for you.
Name: Midtown Auto Service Location: Houston, Texas Web site:www.midtownautoservice.net Square footage of shop: 6,000 square feet Repairs per week: 150 cars No. of years in business: 21 years On his success rate with retaining technicians: “I offer my technicians two weeks of paid vacation during Christmas and New Year’s after they’ve been employed with me for a year. Also, I treat them and their spouses to dinners and lunches on random occasions. I try to let them take care of family or personal business without penalties. All of my techs have their own computers with Internet access to Alldata and Identifix. Things like that really make a person want to stay.”
Mikey credits his prime location for business staying strong even during tough economic times.
Mikey Yu is not your average shop owner. With a criminal justice degree from the University of Houston, he always wanted to be a cop.
But when his dad retired in 1998, Mikey thought that it would be a smart move to buy the shop from him. Within four years of taking over the shop, he expanded the facility from 2,900 square feet to 6,000 square feet. Along the way, he earned his ASE
certification to become an auto technician.
Mikey is also a state-certified inspector and his shop, Midtown Auto Service, is a state-certified emissions and repair facility. The shop is known in the community for its engine and emissions diagnostic capabilities and for solving electrical driveability issues for all makes and models.
Mikey says his shop’s strength stems from the way it treats its customers and its technicians. He conducts his business by the golden rule: “Do to others as you would have them do to you.” He believes you should treat your customers and employees the way you would want to be treated.
ASE certified master tech working on a 2004 Lexus ES 300 timing belt.
“And if you treat your employees as family members instead of just a number, I think that productivity increases,” Mikey says. Midtown Auto Service employs two L1 master auto techs and another master auto tech. Mikey’s wife, Sharon, handles all of the administrative work in the office while Mikey takes care of the “heart of the business,” which he sees as fielding questions and calls from customers and handling technician concerns and problems.
“Our line of work is difficult,” Mikey explains. “The customers who bring their cars and trucks to us normally know nothing about repairing their cars but have heard horror stories about other automotive service shops in the past. So, you start building a rapport with customers and listen to issues about their car. Just listen. Listening is very important. That can help break the barrier of customer distrust from the beginning.”
Master ASE Certified Tech: working on a car using his 1/2 cordless SnapOn gun.
As a result of his business philosophy, Mikey has experienced great success with Midtown Auto Service. In 2007, the shop was named the “Best Auto Shop” by Citysearch, a popular Web site that enables users to post opinions on just about anything, including recommendations for services such as auto care. In 2006, the shop was named “Best Auto Repair Shop” by the local newspaper. In addition, the shop is a AAA-approved auto repair facility and a recognized emissions repair facility.
Mikey also shares his knowledge and expertise of cars through articles in Undercar Digest and Automotive Report. He has also been featured on “Car Talk,” an entertaining radio show about automotive service issues that is broadcast on National Public Radio.
ASE L1 MASTER AUTO TECHNICIAN; Growl is working on an electrical drain/short on a 2006 Jaguar S-type.
As he looks toward the future, Mikey would like to expand his shop. He is currently trying to acquire the land next to his so he can double his shop size to 12,000 square feet or more. However, real estate in his area has skyrocketed so he is proceeding on those plans with caution. Despite the downturn in the economy, Mikey says Midtown Auto Service’s business has been good as a result of its prime location between downtown and the medical districts of Houston.
As Mikey celebrates the success of Midtown Auto Service, the thing he is most proud of, he said, is the teamwork his employees exhibit in working with the motoring public. As his accolades and accomplishments show, this teamwork is paying off nicel
Is there any danger to me or my automotive / car vehicle if I give someone a "jump start"? Houston,Tx
Yes. The danger to you is a battery explosion. Batteries contain hydrogen gas, which can ignite and explode if a spark occurs anywhere near the battery. Batteries also contain acid which may be splashed on you if the battery explodes. The danger to your vehicle is if someone reverses the jumper connections or touches the jumper cables together. The voltage surge that results may damage your charging system and/or other electronic components in your vehicle. To minimize these risks, use the following procedure when jump : Do not smoke. You should also wear eye protection. Make sure the vehicles are not touching (contact could provide an unwanted electrical path). Turn your engine off. Connect the red jumper cable from the positive (+) post or terminal on your "good" battery to the positive post or terminal on the low or dead battery in the other vehicle. Connect the black jumper cable from the negative (-) post or terminal on your good battery to a solid ground on the other vehicle. CAUTION: DO NOT make the final jumper connection directly to the low or dead battery itself. The reason for not doing this is because the final jumper connection usually produces a spark. Making the final connection away from the battery will minimize any danger of an explosion by keeping the spark well away from the battery. Make sure the ground connection on the vehicle with the low or dead battery provides a good electrical contact. Use an unpainted metal surface like an engine bracket or a frame member. Make sure the cables do not touch each other and that the cables are clear of the fan and pulleys on both vehicles. Start the engine in the vehicle with the good battery. Run the engine at fast idle for several minutes before attempting to start the vehicle with the low or dead battery. This will allow the charging system to pump some life into the other battery lessening the drain on the good battery and charging system. As soon as the vehicle with the dead battery starts, disconnect the battery cables. The vehicle should then be run or driven at least thirty minutes to recharge the low or dead battery. Additional charging time may be required depending on the battery’s condition and state of charge. If the vehicle does not crank or cranks slowly, recheck the jumper connections. If it still doesn’t crank, the problem may be something other then the battery (such as a bad starter, solenoid, battery cable connection or internal engine problem). If the vehicle cranks normally, but refuses to start, it may have an ignition, fuel or mechanical problem. Do not crank the starter more than thirty seconds at a stretch. Allow the starter to cool for about two minutes before cranking the engine again. Continuous grinding of the starter can cause it to overheat and fail. Continuous cranking can also sap the juice out of your good battery and/or overload and possibly damage your charging system, too!
