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.

Award-Winning Shop Lives by Golden Rule

Posted 6/1/2008
By Leona Dalavai Scott

Midtown Auto Service Named ‘Best Auto Shop.’

Shop Stats

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 Richard Kline 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 Byung Young 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; Panda Lee 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

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Welcome! It’s our goal at Midtown Auto Service & Repair Shop in Houston to always provide great service and high-quality workmanship at a fair price. Midtown Auto Service & Repair is a family-owned business that has specialized in providing personalized service to our customers.

Since 1987, Midtown Auto Service & Repair Shop in Houston has been committed to providing the highest quality automobile repair service at affordable prices. We have established our auto repair business on sound ethical and moral principles. Simply put, our Houston auto repair business focuses on customer service, and your satisfaction is paramount. We want you to be pleased with our services so that you will continue to use us for your automobile repair-service needs in the future and tell your friends.

Our skill and knowledge about automobiles enable us to address a broad range of auto repair-services of mechanical issues, which means you’ll experience a higher, more comprehensive level of service and greater value with us.

How do we do it? We listen. Hearing your opinions, observations and concerns make it possible for us to work with you as a team. By earning your trust, we can better guide you toward solutions that meet your specific needs about your car auto repair services.

At Midtown Auto Service & Repair , you’ll always get a clear explanation of what’s happenings with your car, as well as whatever options you should be aware of when making your maintenance and auto repair decisions. That’s our commitment to you. Please browse around our website to learn more about us and our commitment to provide you with the best service possible.

One of the highest recognitions for an auto repair shop in Houston is given by the State of Texas to be a Recognized Auto Repair and Emmissions Repair Facility. In turn, it gives us privileges from the State of Texas for issuing Automotive Repair and Replacement Assistance in Houston & the surrounding areas. In 2007, there were less than 100 automotive repair shops in Houston that had this license by the State. That is a big disproportion considering there are over 3400 auto repair shops in Houston and the surrounding areas. Another factor to being a highly recognized Houston auto repair shop is being chosen by General Motors Inc. as an independent Auto Repair Service Center: AC Delco Factory Houston Auto Repair Facility. NAPA Auto Parts also endorses our company as an Approved Napa Auto Car Care Repair Center in Houston which means that their company certifies us to do their repair warranties or any needed repairs. Also, our shop is an AAA Approved Auto Repair Facility that employs only ASE certified auto technicians. Operating since 1987, we are conveniently located between the downtown & medical center, also known as Midtown.

CHECK US OUT ON OUR WEBSITE:

www.midtownautoservice.net

Contact: (713) 523-2886