Car ownership is a necessity for many individuals in the modern world. It provides independence, flexibility, and convenience. However, owning a car can also come with a significant financial burden, especially regarding repairs and maintenance.
If you need financial assistance for car repairs in 2023, don’t worry, you’re not alone. There are various resources available that can help you cover the cost of fixing your vehicle.
Government Programs
Low-income families and individuals can get assistance with car repair costs through several government programs. Local communities disburse most of these grants to their members through grants awarded to them.
One example is JARC (Job Access Reverse Commute), which helps low-income people access convenient commute routes to work through public transit or repaired cars. There is also a government program known as the Community Action Agency that can help with car repairs.
This organization provides financial assistance to low-income individuals and families for various needs, including car repairs. To find out if you’re eligible for this program, contact your local Community Action Agency.
Charitable Organizations
Many charitable organizations provide financial assistance for car repairs. These organizations are often staffed by volunteers passionate about helping those in need, so they are usually more than willing to assist with the cost of car repairs. Some of these organizations include Catholic Charities, Salvation Army, and Goodwill.
There are also non-profit organizations in certain states who help low-income individuals afford car repairs. Some of these include:
- Carpenter’s Garage in Vancouver, WA
- Vehicles for Change in Maryland, DC, and Virginia
- Good News Garage in New England
- Road Ready Repairs in Michigan
To find a charitable organization in your area that provides financial assistance for car repairs, you can search online or check with your local social services agency. These organizations can help you navigate the financial assistance process and provide additional resources and support.
Car Repair Assistance For Specialized Groups
If you fall into a specific people category, such as a veteran or a person with a disability, you can get car repair assistance from certain groups. For example, the Army Emergency Relief is an organization that provides zero-interest loans for soldiers, which they can use to pay for car repairs.
Veterans can find assistance from Supportive Services for Veterans Family, a group that gives housing assistance to homeless veterans and help cover other costs like utility bills and car repairs. Persons with special needs can find a car from Cars 4 Christmas or 1-800-Charity-Cars.
Employer Assistance
Many employers offer assistance programs for their employees, including financial assistance for car repairs. This is especially true for companies with many employees who rely on their vehicles to get to and from work.
If you’re an employee needing financial assistance for car repairs, check with your human resources department to see if your company offers this assistance. They may have information on various programs and resources available to help cover the cost of car repairs.
Auto Insurance
If you have auto insurance, it may be possible to use your policy to cover the cost of car repairs. Some insurance policies include towing and roadside assistance coverage, which can help you get your vehicle to a repair shop. Additionally, if you have collision coverage, your insurance company can assist with the cost of repairs to your vehicle if you were in an accident.
Your auto insurance policy should be reviewed carefully to determine what type of coverage is included and what your deductible is. If you’re unsure about the specifics of your policy, reach out to your insurance company for clarification.
Credit Cards
If you have a credit card with a good credit limit, you can use it to cover the cost of car repairs. This can be a good option if you must majorly repair your vehicle and need more funds to pay for it upfront. Consider the interest rate and any fees associated with using your credit card before deciding.
Get Financial Assistance For Car Repairs
Several options are available to individuals needing financial assistance for car repairs in 2023. Whether through government programs, charitable organizations, employer assistance, auto insurance, or credit cards, there’s help available if you need it.
Just be sure to explore all your options and choose the one that works best for you and your specific needs. Are you a single mom looking for a car? Check out our blog on free car grants for single moms.
