Worried about damaging cars...

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danforz

New member
Hey guys, thinking of doing a little bit of detailing on the side for some cash. I'm worried about what happens though in case I damage a car?



I know i know... I'm less likely to damage a car then the car wash but what if I do? What is my liability? How much would a scratch (not a mar) actually cost to deal with?



Thanks guys :)
 
Insurance is a must for any business. With detailing, it is most important if you will be moving the customer's car at all.
 
I never drive a client's car. I let them park it, I just guide them. Which is why I like Mobile detailing.

The only damage that can happen is an act of god which most policey don't cover and little things that I would be able to cover. Ins... Yeah it would be good to have, but when I have a steadier / more clients.
 
Danforz said:
Hey guys, thinking of doing a little bit of detailing on the side for some cash. I'm worried about what happens though in case I damage a car?



I know i know... I'm less likely to damage a car then the car wash but what if I do? What is my liability? How much would a scratch (not a mar) actually cost to deal with?
Click to expand...



If your just doing it on the side you won't need insurance. If you're driving vehicles, you should definately look into insurance. If something minor like a scratch happens, you won't want to get your insurance company involved. Your smartest bet would be to pay for the damage yourself and not have you insurance company even know about it. Plus, a scratch on a car will end up being much less than your deductible anyways. The only time I ever called in a claim was when a dealership vehicle got stolen, not when there was a minor fender bender. Any commercial claims go to the underwriting department and they re-evaluate your premiums. Sometimes, it's not worth making a claim. :bolt
 
I messed up a bumper and mirror cover when I was first starting out... Cost me just under $300 to get them repainted.



No other incidents yet :)



Can't see how anything else could happen... Unless a shelf breaks and something falls on the car...
 
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