Replacing a catalytic converter on your Toyota Camry is essential for maintaining its performance and environmental compliance, and understanding the costs involved is key. At millertoyota.net, we offer expert advice and services to help you navigate this process smoothly, ensuring your Camry runs efficiently while minimizing your expenses. We will address common issues, explore replacement options, and highlight the value of professional service.
1. What is a Catalytic Converter and Why Does Your Toyota Camry Need One?
A catalytic converter is an essential part of your Toyota Camry’s exhaust system, designed to reduce harmful emissions. It converts pollutants like hydrocarbons, carbon monoxide, and nitrogen oxides into less harmful substances, such as carbon dioxide, water, and nitrogen. This process helps your Camry meet environmental regulations and reduces air pollution.
1.1. How Does a Catalytic Converter Work?
The catalytic converter uses a catalyst, typically platinum, palladium, and rhodium, to facilitate chemical reactions that neutralize harmful gases. According to the Environmental Protection Agency (EPA), catalytic converters can reduce emissions by up to 90%.
1.2. Why is a Catalytic Converter Important for Your Toyota Camry?
- Environmental Compliance: Catalytic converters are mandated by law in most states to reduce vehicle emissions. Driving without a functioning converter can result in fines and failed emissions tests.
- Improved Air Quality: By reducing harmful pollutants, catalytic converters contribute to cleaner air, benefiting public health and the environment.
- Vehicle Performance: A clogged or damaged catalytic converter can restrict exhaust flow, leading to reduced engine power, poor fuel economy, and potential engine damage.
1.3. Common Causes of Catalytic Converter Failure
Several factors can cause a catalytic converter to fail:
- Contamination: Oil leaks, coolant leaks, and excessive fuel can contaminate the catalyst, reducing its effectiveness.
- Physical Damage: Road debris, accidents, or corrosion can damage the converter’s internal structure.
- Overheating: Excessive heat from engine misfires or other issues can melt the catalyst.
- Age and Wear: Over time, the catalyst can degrade and become less effective due to normal wear and tear.
1.4. Understanding the Role of Oxygen Sensors
Modern vehicles, including the Toyota Camry, use oxygen sensors to monitor the efficiency of the catalytic converter. These sensors are located before and after the converter. The upstream sensor measures the oxygen content in the exhaust gas entering the converter, while the downstream sensor measures the oxygen content in the exhaust gas exiting the converter. If the converter is functioning correctly, the downstream sensor should show a lower oxygen level than the upstream sensor. A faulty oxygen sensor can trigger a check engine light and may indicate a problem with the catalytic converter.
2. What are the Symptoms of a Failing Catalytic Converter in Your Toyota Camry?
Recognizing the symptoms of a failing catalytic converter early can help you address the issue before it leads to more significant problems. Here are some common signs to watch out for:
2.1. Check Engine Light
The most common indicator of a catalytic converter problem is the check engine light. The diagnostic code P0420 (Catalyst System Efficiency Below Threshold) often indicates that the converter is not functioning correctly. While this code doesn’t always mean the converter is bad, it’s a sign to have your Camry inspected.
2.2. Reduced Engine Performance
A clogged or failing catalytic converter can restrict exhaust flow, leading to a noticeable decrease in engine power and acceleration. You may experience sluggish performance, especially when climbing hills or accelerating quickly.
2.3. Poor Fuel Economy
A failing catalytic converter can cause the engine to work harder, resulting in decreased fuel efficiency. If you notice that your Camry is consuming more fuel than usual, it could be a sign of a converter issue.
2.4. Unusual Noises
Rattling sounds coming from underneath the car can indicate that the internal components of the catalytic converter have broken down. This often occurs when the ceramic honeycomb structure inside the converter cracks or collapses.
2.5. Foul Odors
A sulfur-like or rotten egg smell coming from the exhaust can be a sign of a failing catalytic converter. This odor is caused by the converter’s inability to properly process sulfur compounds in the exhaust gas.
2.6. Overheating
A failing catalytic converter can overheat, potentially causing damage to nearby components. In some cases, the converter may even glow red.
2.7. Failed Emissions Test
If your Toyota Camry fails an emissions test, it’s a strong indication that the catalytic converter is not functioning correctly. Most states require vehicles to pass emissions tests to ensure they meet environmental standards.
2.8. Stalling or Difficulty Starting
In severe cases, a completely blocked catalytic converter can cause the engine to stall or make it difficult to start. This is due to the extreme restriction of exhaust flow.
2.9. Visual Inspection
A visual inspection of the catalytic converter may reveal physical damage, such as dents, cracks, or corrosion. These signs can indicate that the converter needs to be replaced.
2.10. Professional Diagnostic
If you suspect that your Toyota Camry has a catalytic converter problem, it’s best to have it diagnosed by a qualified mechanic. They can perform tests to determine the converter’s efficiency and identify any underlying issues that may be contributing to the problem. At millertoyota.net, our experienced technicians can provide a thorough inspection and accurate diagnosis.
3. What Factors Affect the Cost of Replacing a Catalytic Converter on a Toyota Camry?
The cost of replacing a catalytic converter on your Toyota Camry can vary significantly depending on several factors. Understanding these factors can help you make an informed decision and budget accordingly.
3.1. Type of Catalytic Converter
- OEM (Original Equipment Manufacturer) Converter: These are the same converters that were installed on your Camry at the factory. They offer the best performance and reliability but are also the most expensive.
- Aftermarket Converter: These are converters manufactured by companies other than Toyota. They are generally less expensive than OEM converters but may not offer the same level of performance or durability.
- Universal Converter: These converters are designed to fit a wide range of vehicles. They are the least expensive option but may require modification to fit your Camry properly.
3.2. Location
The cost of labor can vary significantly depending on your location. Labor rates are typically higher in urban areas than in rural areas. According to a 2023 report by RepairPal, the average labor cost for a catalytic converter replacement in the United States ranges from $100 to $400.
3.3. Labor Costs
The amount of labor required to replace a catalytic converter can also affect the cost. Some converters are easier to access and replace than others, which can reduce labor time.
3.4. Vehicle Age and Condition
Older vehicles may require additional work to replace the catalytic converter, such as removing rusted bolts or repairing exhaust system damage. This can increase the overall cost of the repair.
3.5. State Emission Standards
Some states, such as California, have stricter emission standards than others. If you live in a state with strict standards, you may need to purchase a CARB-compliant catalytic converter, which can be more expensive.
3.6. Additional Repairs
In some cases, a failing catalytic converter may be caused by other engine problems, such as a faulty oxygen sensor or a misfiring engine. Addressing these issues can add to the overall cost of the repair.
3.7. Warranty
If your Toyota Camry is still under warranty, the catalytic converter replacement may be covered. Check your warranty documentation to see if you are eligible for coverage.
3.8. Type of Exhaust System
The design of your Camry’s exhaust system can also affect the cost of the replacement. Some vehicles have integrated exhaust manifolds and converters, which can be more expensive to replace than separate components.
3.9. Supplier
The cost of the catalytic converter can vary depending on the supplier. Dealerships typically charge more for OEM converters than aftermarket suppliers.
3.10. Shop Rates
The hourly labor rates charged by different repair shops can also affect the cost of the replacement. Be sure to get quotes from multiple shops to compare prices. At millertoyota.net, we offer competitive pricing and transparent estimates.
4. What is the Average Cost to Replace a Catalytic Converter on a Toyota Camry?
The average cost to replace a catalytic converter on a Toyota Camry can range from $800 to $2,500, depending on the factors mentioned above. Here’s a more detailed breakdown:
4.1. OEM Catalytic Converter Replacement Cost
Using an OEM catalytic converter can provide the best performance and reliability but comes at a higher cost. For a Toyota Camry, the cost of an OEM catalytic converter can range from $1,200 to $2,000, plus labor. The total cost, including labor, can be between $1,500 and $2,500.
4.2. Aftermarket Catalytic Converter Replacement Cost
Aftermarket catalytic converters are a more affordable alternative to OEM converters. For a Toyota Camry, the cost of an aftermarket catalytic converter can range from $300 to $800. Including labor, the total cost can be between $800 and $1,500.
4.3. Universal Catalytic Converter Replacement Cost
Universal catalytic converters are the least expensive option, but they may not provide the same level of performance or durability as OEM or aftermarket converters. For a Toyota Camry, the cost of a universal catalytic converter can range from $100 to $300. However, labor costs may be higher due to the need for modifications. The total cost, including labor, can be between $500 and $1,200.
4.4. Labor Cost
The labor cost to replace a catalytic converter on a Toyota Camry typically ranges from $200 to $500, depending on the shop and the complexity of the job. Factors that can affect labor cost include the location of the converter, the presence of rusted bolts, and the need for additional repairs.
4.5. Additional Costs
In some cases, additional costs may be incurred, such as the cost of replacing oxygen sensors or repairing exhaust system damage. These costs can add several hundred dollars to the total cost of the repair.
4.6. Cost Comparison Table
| Type of Catalytic Converter | Part Cost | Labor Cost | Total Cost |
|---|---|---|---|
| OEM | $1,200-$2,000 | $200-$500 | $1,500-$2,500 |
| Aftermarket | $300-$800 | $200-$500 | $800-$1,500 |
| Universal | $100-$300 | $400-$900 | $500-$1,200 |
4.7. Factors Influencing Cost Variations
- Model Year: The model year of your Toyota Camry can affect the cost of the catalytic converter. Newer models may require more expensive converters.
- Engine Type: The engine type of your Toyota Camry can also affect the cost of the catalytic converter. Some engines require more specialized converters.
- Drive Train: If your Toyota Camry is all-wheel drive. this may also affect the converter and labor costs.
4.8. Getting an Accurate Estimate
To get an accurate estimate for replacing the catalytic converter on your Toyota Camry, it’s best to get quotes from multiple repair shops. Be sure to provide the shop with your vehicle’s year, make, model, and engine type. Also, ask the shop to provide a detailed breakdown of the costs, including the cost of the converter, labor, and any additional repairs. At millertoyota.net, we offer free estimates and transparent pricing.
5. Can You Replace a Catalytic Converter Yourself on a Toyota Camry?
Replacing a catalytic converter on a Toyota Camry is a job that can be done at home, but requires technical know-how.
5.1. Required Skills and Tools
- Mechanical Skills: A solid understanding of automotive repair is essential.
- Tools: You’ll need tools like sockets, wrenches, a jack, jack stands, and potentially a saw to remove the old converter.
- Safety Gear: Safety glasses and gloves are necessary.
5.2. Step-by-Step Guide to Replacing a Catalytic Converter
- Safety First: Lift the vehicle with a jack and secure it with jack stands. Let the exhaust cool down.
- Remove the Old Converter: Disconnect the oxygen sensors and remove the bolts holding the converter in place.
- Install the New Converter: Install the new converter, ensuring the bolts are tight.
- Reconnect Oxygen Sensors: Reconnect the oxygen sensors.
- Lower the Vehicle: Lower the vehicle and start the engine to check for leaks.
5.3. Potential Pitfalls and Considerations
- Complications: Rust can make bolts hard to remove.
- Quality of Parts: Aftermarket parts may not fit properly or perform as well as OEM parts.
- Legality: Ensure the new converter meets local emissions standards.
5.4. Cost Savings vs. Risks
- Cost Savings: DIY can save on labor costs.
- Risks: Incorrect installation can lead to performance issues or damage.
5.5. When to Seek Professional Help
- Complex Issues: Seek professional help if you’re not comfortable with the work.
- Emissions Testing: A professional can ensure the new converter meets emissions standards.
5.6. Benefits of Professional Service
- Expertise: Certified technicians offer expert service.
- Warranty: Professional installations often come with a warranty.
- Time Savings: Professionals can complete the job quickly.
5.7. Ensuring Compliance with Environmental Regulations
- Local Regulations: Ensure the new converter complies with local emissions laws.
- Professional Installation: A professional can guarantee compliance.
- Documentation: Keep records of the replacement.
6. What are the Legal and Environmental Considerations for Catalytic Converter Replacement?
Replacing a catalytic converter involves understanding legal and environmental factors to ensure you comply with regulations and contribute to environmental protection.
6.1. Understanding Federal and State Regulations
- EPA Requirements: The EPA sets standards for catalytic converters to reduce emissions.
- State Regulations: Some states have stricter emissions laws than others.
- CARB Compliance: In California and other states, CARB-compliant converters are required.
6.2. Consequences of Non-Compliance
- Fines and Penalties: Driving with a non-compliant converter can result in fines.
- Failed Emissions Tests: Non-compliance will cause your vehicle to fail emissions tests.
- Legal Repercussions: Ignoring regulations can lead to legal issues.
6.3. Environmental Impact of Catalytic Converters
- Reducing Emissions: Catalytic converters reduce harmful pollutants.
- Air Quality: Proper functioning improves air quality.
- Environmental Responsibility: Compliance is essential for protecting the environment.
6.4. Choosing the Right Catalytic Converter
- OEM vs. Aftermarket: OEM converters ensure compliance but are pricier.
- CARB-Compliant Options: Ensure CARB compliance in applicable states.
- Performance: Choose a converter that meets performance standards.
6.5. Proper Disposal of Old Catalytic Converters
- Recycling: Recycle the old converter to recover valuable metals.
- Environmental Responsibility: Proper disposal prevents environmental harm.
- Certified Facilities: Use certified recycling facilities.
6.6. Documentation and Record-Keeping
- Keep Records: Maintain records of the replacement.
- Warranty Information: Store warranty details for future reference.
- Compliance Proof: Documentation proves compliance with regulations.
6.7. Ensuring Compliance with Environmental Regulations
- Local Regulations: Ensure the new converter complies with local emissions laws.
- Professional Installation: A professional can guarantee compliance.
- Documentation: Keep records of the replacement.
6.8. Role of Oxygen Sensors in Emissions Control
- Monitoring Efficiency: Oxygen sensors monitor the converter’s performance.
- Optimal Performance: Proper sensor function ensures the converter operates efficiently.
- Sensor Replacement: Replace faulty sensors during converter replacement.
6.9. Regular Maintenance and Inspections
- Scheduled Checks: Regular inspections maintain the converter.
- Emissions Testing: Periodic testing ensures compliance.
- Maintenance Tips: Follow maintenance guidelines to prolong the converter’s life.
7. How to Maintain Your New Catalytic Converter on Your Toyota Camry?
Proper maintenance can extend the life of your new catalytic converter and ensure optimal performance.
7.1. Regular Vehicle Maintenance
- Oil Changes: Maintain regular oil changes to prevent oil contamination.
- Tune-Ups: Regular tune-ups ensure efficient combustion.
- Fluid Checks: Check and maintain fluid levels.
7.2. Avoiding Common Causes of Failure
- Preventing Contamination: Address oil leaks and coolant leaks promptly.
- Fuel Quality: Use high-quality fuel to prevent deposits.
- Engine Misfires: Address engine misfires immediately.
7.3. Monitoring Engine Performance
- Check Engine Light: Monitor the check engine light for any issues.
- Performance Issues: Address performance issues promptly.
- Professional Inspections: Schedule regular inspections.
7.4. Importance of Quality Fuel and Additives
- Fuel Quality: Use high-quality fuel.
- Fuel Additives: Use fuel additives to clean fuel injectors.
- Octane Rating: Use the recommended octane rating.
7.5. Regular Inspections of the Exhaust System
- Visual Inspections: Regularly inspect the exhaust system for damage.
- Professional Inspections: Schedule professional inspections.
- Leak Detection: Check for exhaust leaks.
7.6. Addressing Engine Issues Promptly
- Misfires: Address misfires immediately.
- Oil Leaks: Repair oil leaks promptly.
- Coolant Leaks: Fix coolant leaks quickly.
7.7. Keeping the Engine Properly Tuned
- Spark Plugs: Replace spark plugs as recommended.
- Air Filter: Replace the air filter regularly.
- Fuel Injectors: Clean fuel injectors periodically.
7.8. Avoiding Short Trips
- Longer Trips: Take longer trips to heat up the converter.
- Efficient Operation: Longer trips promote efficient operation.
- Preventing Clogging: Avoid short trips that can clog the converter.
7.9. Recognizing and Addressing Early Warning Signs
- Unusual Noises: Listen for unusual noises.
- Foul Odors: Watch for foul odors.
- Performance Issues: Pay attention to performance issues.
8. Why Choose Miller Toyota for Catalytic Converter Replacement on Your Toyota Camry?
Choosing the right service provider for your catalytic converter replacement is crucial. Miller Toyota offers expertise and service.
8.1. Expertise and Experience
- Certified Technicians: Miller Toyota has certified technicians.
- Extensive Experience: They offer vast experience with Toyota vehicles.
- Specialized Knowledge: Miller Toyota possesses specialized knowledge.
8.2. Quality Parts and Service
- OEM Parts: Miller Toyota uses high-quality OEM parts.
- Warranty: They provide warranty on parts and labor.
- Reliable Service: Miller Toyota provides reliable service.
8.3. Competitive Pricing
- Transparent Pricing: Miller Toyota offers transparent pricing.
- Free Estimates: They provide free estimates.
- Affordable Options: Miller Toyota offers affordable options.
8.4. Customer Satisfaction
- Positive Reviews: Miller Toyota has positive reviews.
- Customer Service: They offer excellent customer service.
- Satisfaction Guarantee: Miller Toyota provides a satisfaction guarantee.
8.5. State-of-the-Art Equipment
- Advanced Tools: Miller Toyota uses advanced diagnostic tools.
- Modern Facility: They have a modern facility.
- Efficient Service: Miller Toyota provides efficient service.
8.6. Convenient Location and Hours
- Accessibility: Miller Toyota has an accessible location.
- Flexible Hours: They offer flexible hours.
- Scheduling Options: Miller Toyota provides convenient scheduling options.
8.7. Comprehensive Diagnostic Services
- Thorough Inspections: Miller Toyota offers thorough inspections.
- Accurate Diagnosis: They provide accurate diagnoses.
- Detailed Reports: Miller Toyota offers detailed reports.
8.8. Commitment to Environmental Responsibility
- Eco-Friendly Practices: Miller Toyota follows eco-friendly practices.
- Proper Disposal: They ensure proper disposal of old parts.
- Compliance: Miller Toyota complies with environmental regulations.
8.9. Additional Services Offered
- Maintenance: Miller Toyota offers maintenance services.
- Repairs: They provide comprehensive repair services.
- Parts Department: Miller Toyota has a fully stocked parts department.
9. Toyota Camry Catalytic Converter Theft Prevention
Catalytic converter theft is on the rise. Taking preventative measures can save you time, money, and trouble.
9.1. Understanding the Risk of Catalytic Converter Theft
- Why Theft Happens: Catalytic converters contain valuable metals.
- Common Targets: Certain vehicles are more targeted.
- Rising Trend: Catalytic converter theft is increasing.
9.2. Protective Measures You Can Take
- Parking Strategies: Park in well-lit areas.
- Security Systems: Install an alarm system.
- Protective Devices: Use catalytic converter protection devices.
9.3. Security Systems and Alarms
- Installation: Install a security system with vibration sensors.
- Alarm Features: Choose alarms with anti-theft features.
- Professional Installation: Professional installation enhances effectiveness.
9.4. Catalytic Converter Protection Devices
- Cages and Shields: Install cages or shields.
- Engraving: Engrave the converter with the VIN.
- Welding: Weld the converter to the exhaust system.
9.5. Surveillance and Monitoring
- Security Cameras: Install security cameras in your driveway.
- Motion Sensors: Use motion sensors to detect movement.
- Neighborhood Watch: Participate in a neighborhood watch program.
9.6. Community Awareness and Reporting
- Report Suspicious Activity: Report suspicious activity to the police.
- Share Information: Share information with neighbors.
- Stay Informed: Stay informed about local crime trends.
9.7. Insurance Coverage for Catalytic Converter Theft
- Comprehensive Coverage: Check your insurance coverage.
- Filing a Claim: Understand the claim process.
- Deductibles: Be aware of your deductible.
9.8. Identifying and Reporting Suspicious Activity
- Signs to Watch For: Watch for unusual noises or people under vehicles.
- Reporting to Authorities: Report suspicious activity to the police.
- Providing Details: Provide as much detail as possible.
9.9. Long-Term Solutions and Advocacy
- Support Legislation: Support legislation to deter theft.
- Community Initiatives: Participate in community initiatives.
- Advocate for Change: Advocate for stricter penalties.
10. What are the Alternatives to Replacing a Catalytic Converter on a Toyota Camry?
While replacing a catalytic converter is often the best solution, there are alternative options to consider, depending on the situation.
10.1. Catalytic Converter Repair
- When Repair is Possible: Minor damage can be repaired.
- Repair Techniques: Welding and patching can be used.
- Cost Savings: Repair is cheaper than replacement.
10.2. Cleaning the Catalytic Converter
- Benefits of Cleaning: Cleaning can improve performance.
- Cleaning Methods: Use cleaning solutions.
- Professional Cleaning: Professional cleaning services are available.
10.3. Used Catalytic Converters
- Sourcing Used Converters: Used converters can be found.
- Risks and Considerations: Used converters may have issues.
- Cost Savings: Used converters are cheaper.
10.4. High-Flow Catalytic Converters
- Performance Benefits: High-flow converters improve performance.
- Legal Considerations: Ensure they meet legal standards.
- Cost: High-flow converters are more expensive.
10.5. Gutting the Catalytic Converter
- Why People Do It: Gutting improves exhaust flow.
- Legal Implications: Gutting is illegal.
- Environmental Impact: Gutting increases emissions.
10.6. Oxygen Sensor Replacement
- Role of Oxygen Sensors: Oxygen sensors monitor the converter.
- When to Replace: Replace faulty sensors.
- Benefits: Replacement can improve performance.
10.7. Engine Tuning
- Benefits of Tuning: Tuning can improve engine performance.
- Professional Tuning: Professional tuning services are available.
- Cost: Tuning can be expensive.
10.8. Exhaust System Modifications
- Modifying the Exhaust: Modifications can improve performance.
- Legal Considerations: Ensure modifications are legal.
- Cost: Modifications can be expensive.
10.9. Emissions System Bypass
- Why People Bypass: Bypassing improves performance.
- Legal Implications: Bypassing is illegal.
- Environmental Impact: Bypassing increases emissions.
10.10. Temporary Solutions
- Using Fuel Additives: Fuel additives can temporarily improve performance.
- Resetting the Check Engine Light: Resetting can temporarily clear codes.
- Long-Term Solutions: Temporary solutions are not long-term.
At millertoyota.net, we’re committed to helping you find the most effective and affordable solutions for your Toyota Camry’s catalytic converter needs. Whether it’s providing a detailed cost estimate, performing a thorough inspection, or offering expert advice, we’re here to ensure your vehicle runs smoothly and efficiently.
Don’t let a failing catalytic converter compromise your Toyota Camry’s performance or environmental compliance. Visit millertoyota.net today to explore our wide selection of catalytic converters, schedule a service appointment, and discover exclusive offers. Our team of Toyota experts is ready to provide you with top-notch service and ensure your Camry is running at its best. Contact us at (208) 376-8888 or visit our dealership at 208 N Maple Grove Rd, Boise, ID 83704.
Frequently Asked Questions (FAQ)
1. How do I know if my catalytic converter is bad?
Common symptoms include a check engine light (code P0420), reduced engine performance, poor fuel economy, rattling noises, and a sulfur-like odor.
2. Can I drive with a bad catalytic converter?
While you can drive with a bad catalytic converter, it’s not recommended. It can lead to reduced engine performance, poor fuel economy, and potential engine damage. Additionally, it’s illegal in many states.
3. How long does a catalytic converter last?
A catalytic converter typically lasts between 70,000 and 100,000 miles. However, factors like maintenance and driving conditions can affect its lifespan.
4. Is it worth replacing a catalytic converter?
Yes, replacing a catalytic converter is worth it to maintain your vehicle’s performance, fuel efficiency, and compliance with environmental regulations.
5. Can a bad oxygen sensor cause a catalytic converter to fail?
Yes, a faulty oxygen sensor can cause the engine to run improperly, leading to overheating and premature failure of the catalytic converter.
6. Are aftermarket catalytic converters as good as OEM?
Aftermarket catalytic converters can be a more affordable option, but they may not offer the same level of performance or durability as OEM converters.
7. Can I clean my catalytic converter instead of replacing it?
Cleaning a catalytic converter can sometimes improve its performance, but it’s not always a long-term solution. It’s best to consult with a mechanic to determine if cleaning is the right option for your vehicle.
8. What is the warranty on a new catalytic converter?
The warranty on a new catalytic converter can vary depending on the manufacturer and the type of converter. OEM converters typically have a longer warranty than aftermarket converters.
9. How can I prevent catalytic converter theft?
You can prevent catalytic converter theft by parking in well-lit areas, installing a security system, using a catalytic converter protection device, and reporting suspicious activity to the police.
10. Does insurance cover catalytic converter replacement?
Comprehensive insurance coverage typically covers catalytic converter replacement if it’s stolen or damaged due to an accident. Check your insurance policy for details.
