Hi there. I’m Saul Reisman here at Saul’s AUTOTEK, and I’m going to talk to you today about mobile mechanics.
One of the most common phone calls and the most common Google search that we receive is for those looking for a mobile mechanic, somebody to come to them at the side of the road, at their place of work or business, or maybe even at home, to service their Denver automobile. There are a few different concerns we have about this, and we’d like to share them with you so that you know how to best be prepared and make sure you get the best treatment and don’t get taken advantage of.
Here in the state of Colorado, in 1992, the state invoked the Motor Vehicle Repair Act. The Motor Vehicle Repair Act was designed to protect you, the consumer. It gives you lots of rights and it sets the standard for how you’re supposed to be treated in the auto industry. It sets very basic principles of how services should be performed, how they should be billed, how they should be explained to you, the process for which approvals happen, and some really important nomenclature so that you’re properly taken care of every time. We hear complaints from other facilities about a repair being performed without being authorized or things of this nature. Those are all parts of the Motor Vehicle Repair Act.
One big factor in the Motor Vehicle Repair Act though comes to mobile mechanics. In the state of Colorado, property insurance follows the property. If you own a motor vehicle and you insure it in your name and you let a friend use it, your insurance covers that car no matter what happens because it’s your property that was being insured. If you’re a homeowner and something fails with your house or it’s damaged in a storm, that piece of property, the home, it’s insured, and the policy that follows that home takes care of whatever happens on that home. That’s a really big, important factor.
The reason why is if you hire a mobile mechanic and he comes out to your home or your place of business, he’s operating on that insurance, not yours. If you have a mobile mechanic come out to your home and he’s working on vehicle in your driveway and it falls off the jack stands and crushes him and injures him severely, your homeowner’s insurance is the first person to pay that claim, regardless of whether or not that mobile mechanic was actually bonded or insured by the state. The state’s own laws dictate that where it happened on that property is whose liability it is. Here, too, if that mechanic gets hurt on your property, your property insurance as a homeowner could be paying for it.
If you’re a renter and you’re in an apartment, or you’re at work and they come to do it in your driveway or at your place of business, your owner’s insurance for your motor vehicle could be held liable, should that person be injured, or killed, or worse, while operating on your motor vehicle.
From that end, we definitely want you to be prepared and know that you’re getting the best Denver automotive repair service by the best mechanic with the best coverage and the best reputation.
The state requires us as an auto repair facility to carry a garage keeper’s umbrella policy. What that means is anything that happens to your car, we are responsible, liable, and take care of because your vehicle is in our care and custody. The wording regarding this is extremely important, and we want you to know that your vehicle is in the perfect hands every time.
If you’ve got a concern about yours, you’re worried and you’ve been thinking about talking to a mobile mechanic, please give us a shout here at Saul’s AUTOTEK. We partner with local tow companies, as the most common battle we face is the cost of the tow versus the cost of the diagnostic. If you’ll take care of getting your car towed to us, we’ll take care of the diagnostic cost, free of charge, because we want you to know you’re getting the best service.