No driver ever wants to be in an accident that is his or her fault. But it can happen sometimes, even to the most well-intended drivers. An accident can be considered your “fault” even if your car is parked. For example, if you parked your car and a tree branch fell on it cracking the windscreen, then it would be your fault for insurance purposes. If the police do find the accident to be your fault, don’t panic. If your vehicle is completely smashed, you can still use your comprehensive vehicle insurance coverage or collision coverage to pay for the necessary repairs. You have several options in this situation as listed below:
Choose to Cover Repairs Yourself
If you want to, you can pay for the repairs yourself and avoid filing a claim with the insurance company. If the damage is minor, this is the best option. You can avoid waiting time a much of paperwork. And you can keep your record clean because the insurance company will assess your “risk” when calculating premiums based on your accident record.
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Collision Coverage is the Best for At Fault Accidents
Collision coverage insurance policies are designed to cover for repairs when the accident is the driver’s fault or if the driver was the only person involved in the accident. If the car was parked when the accident occurred, you can use comprehensive coverage. You may have to pay a deductible before your insurance company agrees to pay for the repairs. If the repairs are extensive, going through the paperwork will be worth it.
Inspect the Vehicle
You will obviously inspect the vehicle yourself to assess the damage. However, insurance companies require a more professional inspection before they agree to pay for the damage. Some may send professional inspectors to do it on the company’s behalf. In any case, you have to do a thorough inspection to make an assessment of the damage. You will have to take your car to an auto repair shop for the job. Some insurance companies are affiliated with auto mechanics. For the inspection purposes and also for repairs afterwards, find a local panel beater Dandenong that is affiliated with your insurance company.
Make a Cost Estimate
You can make a cost estimate for the damage following the inspection. It’s normal for the damage estimation to be performed by an insurance company inspector or the company-approved repair mechanic. It’s also normal for involved parties to disagree on the damage estimation. Don’t be surprised if the auto repair shop and the insurance agent disagree on the final damage estimate. The two parties should discuss and agree on an estimate so don’t interfere if this happens.
If the insurance company aggress to the damage estimation, the agents will send a cheque directly to the auto repair shop once the repairs are complete. If you are paying out of your own pocket, you will have to discuss a price quote for the repairs with the shop yourself. If you choose the right auto repair shop, this process would go smoothly.