Accident repairs and insurance - A helpful guide

Repair and insurance It’s the guide nobody wants to see. Along with our guide on write offs this one on how to bring your car back to full health is one you don’t want to end up using.  Be that as it may, guides are a massive help should the unfortunate event come to pass. Having a guide can act as a stabilising force at a very unnerving time.
 

The timeline

While the timeline may change depending on the circumstances, it is important to be aware of a rough timeline so that you know what needs to be covered. These situations can be traumatic and a timeline will, at the very least, offer some sense of progress.

  • Immediately after the event; the best guide for this is in this lawlink guide. The tow/ drive away; here you need to make a judgment call. Is the car ok to drive home or is it safer to get it towed. The key here is to remember that just because the car can be driven does not mean it should be driven.
  • Getting a quote; here you need to get the damage quoted by a mechanic or accident repair company.
  • Assessed and authorised by insurer; the vehicle may also need to be assessed by the insurance provider to verify the level of work required. The higher the repair value, the more likely it is that an assessor will need to physically view the vehicle.
  • Repairer calls to book; if everything works out fine here, the nominated repairer (chosen either by you or by the insurance firm) will call to organise the repair. At this stage you may need a replacement vehicle. In some cases this may be provided by either the repair company or by the insurer. If neither of these offer this service you may need to arrange a hire car.
  • Work carried out; once the repair work is carried out you will be asked back to the repairer shop. Make sure to inspect the work and potentially even take photographs. NB; if the repair person finds additional damage they may also create a “Supplementary quote” which may need to be reported back to the insurance company.
  • Pay excess; in some circumstances you may need to pay your insurance “excess” to cover the cost of the damage. This obviously depends on the nature of the incident which caused the damage.
     

If you have a novated lease

In cases where you have a novated lease you may need to inform your novated lease provider. In many cases the lease company will liaise with the insurer to manage the process. This will impact upon the standard timeline so customers should stay in contact with all parties during the process.
 

Final thoughts

When it comes to these traumatic events the key element is always calmness. Calmness and planning will serve two functions. First it will take your mind off the potential losses you may incur and second it will help you make the most informed decisions in a very difficult situation. In the end it’s important to remember that even after an accident you need to stay alert for additional problems.
 

Have you had a car insurance nightmare?

Do you have any other advice?

Please comment below.

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