Texas · Auto · Repair cost
An expensive part is covered only if the peril is
A transmission, an ADAS sensor, or a high-voltage battery can be a large bill. Collision pays that bill when a crash caused it, after the collision deductible, up to the value the form uses. Comprehensive pays it when hail, theft, flood, or a similar non-crash peril caused it, after the comprehensive deductible. A part that fails from wear, heat, or lack of maintenance is usually not either coverage. This page does not invent a statewide average for any repair.
The insurer can total the car instead of buying the part. If the repair, including calibration of cameras and sensors after a bumper job, exceeds the car’s actual cash value, many forms pay actual cash value and take the salvage. Actual cash value is replacement cost minus depreciation. A new-car or gap endorsement changes that math only if you bought it. “Full coverage” means liability plus collision plus comprehensive. It does not mean every shop bill, and it does not mean original-equipment parts unless the form says so.
Hail on the car is the comprehensive side of this, not the homeowners policy: hail, home or auto. The policy: Texas auto insurance.
Match the deductible to a repair you would actually pay, and do not assume mechanical failure is a claim. Start an auto quote or ask an agent.
