Choosing A Vehicle Repairer For An Insurance Claim

By Author: Rob Porter
Total Articles: 6
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A car accident is not something that we intentionally invite or look forward to. It is an unfortunate incident that catches us totally by surprise. However, whenever we are on the go, we take this possibility in mind and thus take precautionary measures against it. For this, we take both personal insurance as well as insure our vehicles. This helps us in saving costs and gives us plenty of other benefits when faced with this calamity. But most people are under the impression that if their vehicle has met with an accident, they need to take it to an insurance approved accident repair centre. However, that is not true. You can take your vehicle to any credible repair centre. Let's understand what that implies as they may pay for repairs but impose some extra terms that you must be aware of:-

Courtesy cars

Most insurers would only provide you with a courtesy car if you take your vehicle to an insurance accident repair centre. The reason behind it is that courtesy cars significantly increase the cost borne by the insurance company which can only be mitigated if you take your car to their approved repair centre. Most ...
... companies have an agreement with their approved repair centre which brings their costs significantly down. However, many repair centers that are not on the approved list also have the provision of providing you with courtesy cars especially if you are under a service and maintenance contract with them.

Guarantees

Once the insurance has repaired the car approved garage, you typically get a three-year guarantee on the repair works by the insurance company. This guarantee will not be given to you if you choose a repair garage of your own choice. But it should be noted that any authentic and credible garage gives their own guarantee on their work and for an equivalent or more period. Thus, before giving them your car for repair, it's best if you verify from them.

Additional excess

Few insurers tend to charge an additional excess if you take your car to a garage of your choice. This can be as much as 100 percent added to the standard excess. Thus, you need to check your document policy carefully before going to a repair center of your own choice. Additionally, while signing up your car insurance, you must be careful in choosing that insurer which gives you the flexibility of choosing your own repair centre without any additional cost.

Equivalent cost of repairs

The most common issue one faces with choosing our own repair center is that the insurers do not pay out the full cost of the repair incurred by you. Their reasoning behind it is that the repair job could have been done in mush cheaper cost at their approved centres. Thus, they would only pay out the amount borne by them in their approved center. To save yourself from this additional charge, its best to get the quote of repair job from the garage of your choice and verify it from the insurance company whether they would be willing to pay in full. You can also negotiate with them and come to an agreement before proceeding with the car repair work.

What to do if you want to use your own repair center

Now that you understand the pitfalls, it's always wise to discuss these issues and iron them out at the time of signing your car insurance contract. Choosing the right insurance provider would alleviate the hassles to a great degree. Simultaneously, you also need to choose a repair center of your own choice well in advance before the calamity actually hits you. Most authentic and credible repair centres offer you awesome maintenance contracts and guarantees on their repair work with authentic parts replacement as well. Once you have selected them beforehand, it's easy just to dial them at times of emergency and get your car almost like new in no time.

If you and your vehicle ever get involved in any unfortunate accident, you can just turn to Supreme Accident Repair with blind eyes. Not only will their immense experience and expertise, get your vehicle's body repair Birmingham restored back to top notch condition in the minimum of expense possible but they would guide you through the vehicle insurance claims to make it a hassle free process for you. It is one of the top insurance approved accident repair centre in the area.