Insurance claim - question.

CiniO

How does it look like in case if some crashes into my car and breaks it a bit (his fault), but car is still drivable.
I get his insurance details, and call his insurance company to make a claim.
What's next?
Does insurance company take my car to fix it, or do they just choose garage where I have to bring it for fixing?

Do I have an option, instead of fixing it in their approved garage, to take a money of the value that would cost to fix it, and fix it in my own chosen garage. Or maybe don't fix it at all?
Or is it not the case with Irish insurers, and you always have to fix a car with their approved garage?

Random

the other insurance company will probably suggest you use one of their garages, you don't have to if you don't want to. you may be able to negotiate with them for cash in lieu of repairs but you'll need to ask them about it.

You can get a few quotes yourself, if they don't reckon the quotes are reasonable they'll send out an accessor to look at it, proabably send out an accessor anyway. You should have nothing to worry about as insurance companies generally only use very good bodyshops. Just after reading your other post, be very sure to get your car checked to ensure the damage is just to the bumper, no doubt you will anyway.

CiniO

Thanks for replies.

So in other words, I can go to my chosen garage, get a quote how much will it cost me to fix it, and then tell insurance company how much is it.
Or I can ask them to send assessor, he's going to take a look at the car, and they will post me a check with value of the damage... Am I right?

guil

it will prob be the second option

Barr

CiniO wrote: »

How does it look like in case if some crashes into my car and breaks it a bit (his fault), but car is still drivable.
I get his insurance details, and call his insurance company to make a claim.
What's next?
Does insurance company take my car to fix it, or do they just choose garage where I have to bring it for fixing?

Do I have an option, instead of fixing it in their approved garage, to take a money of the value that would cost to fix it, and fix it in my own chosen garage. Or maybe don't fix it at all?
Or is it not the case with Irish insurers, and you always have to fix a car with their approved garage?

Depending on the extent of the damage they may send out a motor assessor.

Once the figures are agreed the Insurance will pay you. Its up to you what you do with the money.

Seth Brundle

1. you get an estimate (or maybe two or three) on the understanding that you will be paying for the work. You choose the panel beaters.
2. the other person's insurance company will probably look for a quote from you or they may send out an assessor to put a value on the damage
3. argue with the insurance company that the assessor's value is not enough to get the job done.
4. wait for cheque from insurance company once you both have agreed on a final value.
5. spend the money on your car, a holiday, credit card debt, whatever.


There is no need for your insurance company to get involved BTW!