A biztosító megtéríti a javítás árát.

Because a is the Hungarian definite article, meaning the.

• a biztosító = the insurer
• a javítás árát = the price of the repair / the repair cost

Hungarian uses a before words beginning with a consonant and az before words beginning with a vowel.

In a javítás árát, the article stands before the possessor phrase javítás and covers the whole noun phrase.

Biztosító is a noun meaning insurer or often insurance company.

A learner may confuse it with:

• biztosítás = insurance
• biztosít = to insure / to secure / to provide

So here a biztosító is the subject: the company or insurer that pays.

Because Hungarian verbs have two main present-tense conjugations:

• indefinite conjugation
• definite conjugation

Here the object is definite: a javítás árát = the price of the repair.
When the object is definite, Hungarian normally uses the definite verb form.

So:

• megtérít = he/she/it reimburses something indefinite
• megtéríti = he/she/it reimburses it / the specific thing

Since the sentence has a specific object, megtéríti is the correct form.

The prefix meg- often gives a sense of completion, result, or successful carrying out of an action.

So here:

• térít by itself can have meanings like compensate, deflect, turn
• megtérít in this context means reimburse, pay back, cover

In other words, meg- helps make the action sound completed or fully carried out.

It is a possessive structure.

Literally, it is something like:

• a javítás ára = the repair’s price
• more natural English: the price of the repair / the repair cost

The parts are:

• javítás = repair
• ára = its price / the price of it

So Hungarian expresses of-relationships very often with possession rather than with a separate word like English of.

Because árát is the accusative form, and the accusative marks the direct object of the verb.

Step by step:

• ár = price
• ára = its price / the price of it
• árát = its price as a direct object

The final -t is the accusative marker.
The long á is normal here in this possessed form before the case ending.

So:

• a javítás ára = the price of the repair
• a biztosító megtéríti a javítás árát = the insurer reimburses the price/cost of the repair

Because in this kind of Hungarian possessive construction, the possessor is often left unmarked when it comes before the possessed noun.

So English says:

• the price of the repair

But Hungarian says more literally:

• the repair price-its

That is:

• a javítás ára

No separate word for of is needed.

There is also another, more explicitly marked possessive pattern with -nak / -nek, but it is not the normal choice here:

• a javításnak az ára

That version is more marked or emphatic.

The given sentence has a very natural neutral word order:

• A biztosító megtéríti a javítás árát.
• subject + verb + object

But Hungarian word order is flexible, and changing it changes emphasis or topic/focus.

For example:

• A javítás árát a biztosító megtéríti.
  = As for the repair cost, the insurer reimburses it.

If a word is strongly focused right before the verb, the verbal prefix often moves:

• A javítás árát téríti meg a biztosító.
  = It is the repair cost that the insurer reimburses.

So the original sentence is the safest neutral version for learners.

A few useful pronunciation points:

• Stress is always on the first syllable of each word in Hungarian.
• Long vowels matter: í, á, ó are held longer than i, a, o.

Roughly:

• a = short aw
• biztosító = BIZ-to-shee-too
• megtéríti = meg-TAY-ree-tee
• javítás = YA-vee-taash
• árát = AA-raat

Very roughly as a whole:

• A biztosító megtéríti a javítás árát.

The spelling is quite regular in Hungarian, much more regular than in English.

Grammatically, megtéríti is present tense, but Hungarian present tense can also be used for:

• general statements
• rules
• scheduled or expected future actions

So depending on context, this sentence can mean things like:

• The insurer reimburses the repair cost.
• The insurer will reimburse the repair cost.

In insurance or legal language, Hungarian often uses the present tense where English may prefer will.