Can We Get Our Car Repaired Without Claiming It from the Insurance Company?
When we face the unexpected issue of a damaged car, the decision of whether to claim from our insurance provider can be a daunting one. Many questions arise: Can we get our car repaired without claiming it from the insurance company? How much does it cost and where can we turn for help?
Well, you can certainly explore the option of getting your car repaired without involving your insurance company, especially if the damage is minor and falls within personal repair abilities. In this article, we will delve into the possibilities, the cost, and the steps involved in repairing your car without a claim.
Who Can Handle the Repairs
Bodyshops are typically the go-to source for car repairs, especially for more significant damage. Unlike waiting for an insurance claim to process, they can offer immediate and personalized service. Bodyshops are compensated upfront, making them a reliable option for those who prefer to avoid the hassle of insurance claims.
In the case of my son's car, I found it convenient to purchase the required parts (such as the bonnet, bumper, and front fender) and had the local bodyshop spray them to match the rest of the car. This approach avoided any unnecessary delays caused by the insurance company's assessment and payout process.
Steps to Get Repairs Without Insurance
If you are considering self-funding the repairs, it's crucial to take a few logical steps:
Contact a Repair Shop
First, make sure to contact a reputable repair shop and explain that you will be paying for the repairs yourself. They will provide you with an estimate of the cost. You will likely need to pay a substantial upfront amount before work can begin, and the balance will be settled once the vehicle is returned to you. Insurance companies are only required to get involved if there is third-party property damage, physical injuries sustained by others, or if someone else contacts your insurance company about the incident.
Handling Third-Party Damage
Now, what if the damage was caused by a third party? In those cases, you should still contact your insurance company, but it is still possible to avoid a full claim if you pay for the repairs yourself. For your safety and peace of mind, always report the incident to your insurer, even if you choose to self-fund the repairs.
Tips and Considerations
Keep in mind the terms and conditions of your policy, as you will likely still need to report the incident to your insurance company and file it on future proposal forms. While it's understandable to be concerned about potential increases in your insurance premium, if you opt to pay for the repairs yourself, any increase in premiums will likely be less than the cost of repairing the damage if you have to make an injury claim against you in the future.
Conclusion
If you have the financial capability, a body shop can indeed fix your car. You don't need to limit yourself to using insurance money. Credit cards, personal savings, or even alternative methods like cash or gold bars can all be used to fund the repairs. Car mechanics and body shop staff are generally more concerned with receiving payment and fixing your car, regardless of the source. So, if you have the funds, you can fix your car without the need to claim from the insurance company.
By following these steps and opting for self-funding, you can avoid the complications and delays often associated with insurance claims, while still ensuring your car gets the necessary repairs.