Accidents are stressful, but fixing the damage should not be. Insurance-approved car repairs make the process easier, cheaper, and more reliable. As an insurance approved car body repair shop in London, we work directly with insurers to get your car fixed to the highest standards with no hidden costs.
The claims process could be confusing if you don’t know how it works. A clear understanding of it prevents delays and leads to a smooth experience for you, the insurer, and the auto body shop.
This article will explain how insurance approved repairs work so you can confidently handle the situation.
Highlights
Damaged your car? Here’s how insurance-approved repairs work in London:
- Report the accident to the insurance company
- Choose a repair centre
- Damage assessment and estimate
- Claim authorisation
- Pay the excess
Report the Incident
Inform your insurance provider as soon as possible after the accident with the accurate details of time, date, and location. Provide the contact details of the other drivers and witnesses involved in the incident. This information is important for your insurance company to start working on your claim process.
Take clear photos from different angles of the damage area, as well as any road signs or skid marks. Send the images to your insurer as evidence to support your claim.
You should also report the incident to the police if it involves an injury, dangerous driving, or fleeing the scene.
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Note: Keep the related documents with you, such as the MOTs, license, V5C logbook, and proof of insurance. They may be needed during the claim process.
Select Repair Centre
Your insurer usually handles this for you. The Insurance companies work with different insurance-approved car body repair shops that meet the standards of quality repairs. When your claim is filed, the insurance company directs you to the nearest garage.
You can also ask for your preferred insurance-approved garage but the insurer might need to approve it first. Always consult your insurance company before choosing the Repair Garage for better repair warranty cover.
Read Also: Car Dent Removal & Repair: Everything You Need to Know
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Damage Assessment and Estimate
The body repair shop in London starts by inspecting your car. Technicians carefully check the damaged area. They might need to remove some panels and body parts to fully inspect the extent of the damage.
Then, they will prepare a cost estimation document that includes the cost of parts, labour, and paintwork.
The insurance company will compare the price estimate with the accident report and pictures of damage. If everything matches, they will approve to start the repair work.
Repairs are Completed
After approval for repairs from the insurance company, the body shop will start fixing the damage. This could be anything from panel beating and respraying to replacing body parts. The repair shop will keep you updated throughout the process.
Pay The Excess
Excess is a fixed amount that you agree to pay when getting the insurance, and it must be paid directly to the repairer before you can drive the car away. The car body shop in London will call you to inspect and collect the car after completing repairs. This is when you will pay your insurance excess.
Many reputable garages offer guarantees on their work. This gives you peace of mind, knowing that the repairs were done following the highest standards.
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Final Thoughts
Insurance-approved repairs help you get expert repair service at an affordable cost after an accident. It’s important to inform your insurance company right away after an accident, because not doing so could delay or invalidate your claim. Insurance companies may suggest that you use one of their preferred repair shops, but you are not legally required to do so.
You have the right to choose a reliable mechanic of your own choice. Knowing your rights and options can help you restore your car to its original shape and save money as well.
Frequently Asked Questions
Yes, insurance-approved repairs are affordable because a large part of the costs is paid by the insurance company. You only need to pay the excess, which is usually a small amount compared to overall costs.
Yes, you can. However, your preferred garage must meet high repair standards and be approved by the insurer first.
Take photos and videos of the accident location and the damage. Inform your insurer immediately, and get contact details of the other driver and eye witnesses to protect yourself.
Choose AVX for Insurance-Approved Repairs
We are approved by London’s top insurance companies for using high-quality parts and industry-leading methods. Choose us for reliable service, clear communication, and quality results.
