Navigating a car insurance claim can be confusing — especially if you're dealing with the stress of a recent accident. While many drivers believe they know the basics, there are several common misconceptions that can lead to delays, frustration, or even out-of-pocket expenses.
1. You Must Use Your Insurer’s Recommended Repairer: One of the biggest myths is that you’re obligated to use the repairer chosen by your insurance company. In most cases, you have the right to select your own repairer — as long as they meet certain criteria. This allows you to choose someone you trust, or a specialist in your vehicle type or damage category.
2. All Repairs Are Covered: Insurance doesn’t automatically cover every aspect of damage. Depending on your policy, things like aftermarket modifications, pre-existing damage, or wear and tear might not be included. Always read the fine print or talk directly to your insurer before making assumptions.
3. Small Claims Aren’t Worth the Trouble: Some people avoid claiming minor repairs out of fear their premiums will skyrocket. While this can be true in some situations, many policies include no-claim bonuses or excess thresholds that make lodging a claim worthwhile. It’s best to do the maths — you might be better off claiming than paying out-of-pocket.
4. You Only Need to Provide a Police Report for Major Accidents: In reality, some insurers require a police report for even minor incidents — particularly if another vehicle or property is involved. Failing to provide one can delay your claim or lead to it being denied.
5. Your Car Will Be Restored to Pre-Accident Condition Automatically: Not all repairs are equal. That’s why choosing a reputable provider of insurance covered smash repairs is essential. Experienced professionals will work with your insurer to ensure the job is done properly — using quality parts, proper colour matching, and adhering to safety standards.
Understanding your rights and responsibilities when making a claim can save time, money, and a lot of stress. If in doubt, ask questions, seek clarification, and don’t hesitate to choose a repairer who puts your needs first.