{"id":176,"date":"2026-07-31T12:00:00","date_gmt":"2026-07-31T18:00:00","guid":{"rendered":"https:\/\/www.stalwartinsurance.com\/blog\/?p=176"},"modified":"2026-08-21T06:44:19","modified_gmt":"2026-08-21T12:44:19","slug":"how-auto-insurance-determines-the-cost-of-repairs-to-your-car-2","status":"publish","type":"post","link":"https:\/\/www.stalwartinsurance.com\/blog\/how-auto-insurance-determines-the-cost-of-repairs-to-your-car-2\/","title":{"rendered":"How Auto Insurance Determines the Cost of Repairs to Your Car"},"content":{"rendered":"

After an accident, most people just want to get their cars repaired quickly. The process takes time, especially when the damage is significant. As soon as you get any medical care you need, contact your auto insurance adjuster to review what happened. Your adjuster will tell you if your coverage applies and then help you with the next steps. <\/span><\/span><\/p>\n

At Stalwart Insurance, we work with our clients to get answers as quickly as possible. If you are in need of auto insurance in Pittsburgh, PA, give our team a call for a quote.<\/span><\/span><\/p>\n

How Much You Receive for Repairs<\/span><\/span><\/span><\/h2>\n

Every accident is vastly different. Your adjuster will need a licensed mechanic to provide an evaluation of the vehicle to find out what was damaged and the extent of the repairs. An assessment is initially done using software based on the type of damage to the vehicle. <\/span><\/span><\/p>\n

The insurance adjuster will then put you in contact with a repair company or you may be able to recommend someone you already know. The technician will provide a full inspection and then determine the cost of repairs based on factors such as:<\/span><\/span><\/p>\n

    \n
  • The type of work that needs done<\/span><\/span><\/li>\n
  • How hard it is to source the necessary parts for the repair<\/span><\/span><\/li>\n
  • The paint and other material costs <\/span><\/span><\/li>\n
  • The cost of labor to have it fixed<\/span><\/span><\/li>\n<\/ul>\n

    From this information, the adjuster will consider any other data available and determine if the repairs are worthwhile or if they will total the car. This differs in each situation.<\/span><\/span><\/p>\n

    Let Us Help You Through the Process<\/span><\/span><\/span><\/h2>\n

    If you are in need of quality auto insurance in Pittsburgh, PA, contact our team. At Stalwart Insurance, we provide comprehensive protection with policies that fit most needs. Request a quote today.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    After an accident, most people just want to get their cars repaired quickly. The process takes time, especially when the damage is significant. As soon as you get any medical care you need, contact your auto insurance adjuster to review what happened. Your adjuster will tell you if your coverage applies and then help you […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[27,20,21,10,9],"class_list":["post-176","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-insurance","tag-pa","tag-pittsburgh","tag-stalwart-insurance"],"_links":{"self":[{"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/176","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=176"}],"version-history":[{"count":1,"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/176\/revisions"}],"predecessor-version":[{"id":177,"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/176\/revisions\/177"}],"wp:attachment":[{"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stalwartinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}