After having a car accident, whether it was your fault or not, it can be hard to decide whether you should go through your insurance company or take your vehicle to your local car workshop. There are many advantages and disadvantages of both, so we would highly recommend weighing up your options before going ahead. It is also important to note that while the advantages of going through insurance will apply to most car damage claims, the extent to which you will be provided with assistance from your insurer will depend on your cover agreement and the insurance providers terms and conditions.
What’s Better: Local Car Workshop Or Going Through Insurance?
The reason you take out insurance is to cover yourself and your vehicle in the event of an accident, regardless of whether you have hit someone else or another driver has hit you. This is particularly important if you have accidentally hit an expensive vehicle, as without insurance, you will be asked to cover the costs of repairs from your own pocket, which could be thousands of pounds. Additionally, if you are an uninsured driver, then you could find yourself landing a £300 fine and six penalty points on your licence; you can even risk your vehicle being taken away and destroyed.
However, just because you have insurance doesn’t mean that you have to go through your provider or make an insurance claim if the issue can be resolved without the need for support. There are many benefits to asking your local car garage to fix issues with your vehicle after a crash. So, let’s look at the benefits of both to help you decide which option is best for you:
If you live in a city, then you are likely to find tons of car garages that can lend you a helping hand in repairing your vehicle. However, it is important to choose a garage in which you are able to trust, not only in terms of affordability and only making repairs that are necessary, but also one that specialises in the vehicle you have and the repair you require. Some of the many benefits to using your local garage include the following:
Preserve Your No Claims Bonus
If you have years of no claims, then one small crash could result in you losing all your hard work. Not only this, but the more no claims you have, the cheaper your insurance will become. When you have an accident, you will not just be paying out for excess or additional repairs, you will also be paying the price by having to pay the increased insurance for next year. If you are at fault for the incident, then your insurer may also refuse to insure for the next year, which could look bad when applying for insurance through other providers, limiting you in the insurance you can get and increasing the amount you will have to pay.
By not going through your insurance provider, you can maintain your no claims bonus, meaning that your insurance should not go up. However, if you have already contacted your insurance provider but choose to pay for repairs yourself, you could still lose your no claims bonus. As long as the other driver is ok with you paying for their repairs without going through insurance, then this is sometimes the better, and surprisingly, more affordable option. However, if these repairs are expensive, then you may have no choice but to go through your insurance provider. You can find out more information about making a car insurance claim on Confused.com.
If you are looking to get your car back on the road in next to no time, then it is often best to go to your local car garage. A car garage is more likely to be able to fit your vehicle in within short notice, whereas, an insurance claim may take days, or even weeks to go through. In fact, according to Be Wiser Insurance, a car claim could take up to 30 days to process depending on the severity of the incident. This will mean that your insurance company will take longer to authorise your claim, and you are not always guaranteed to be successful, which can waste your time.
Additionally, using a local garage can make it significantly easier to book your vehicle in for repairs at a time and date that best suits you. This will allow you to go on with your everyday activities without having to worry about your vehicle. Some garages will also provide you with a courtesy car if your vehicle is going to be in the garage for some time. For example, when booking in your vehicle for car body repairs in Towcester or the surrounding areas, you are provided with a free courtesy car and free estimation on how much your repairs will cost. If you require repairs, whether it be for paintwork or dents our team are more than happy to help.
Your Trusted Team
It is very common for a car owner to have their preferred garage, whether it is because they are friendly with the owner, had a good experience or the garage specialises in their vehicle. This is why the majority of those in accidents will choose to go to their trusted car garage. By going somewhere you are familiar with, you can ensure that the work completed is of a high standard and the team will be taking good care of your vehicle. While it is not essential if you are not going through your insurance provider, we would always recommend that you choose a garage that is insurance approved. The reason for this is because they are more likely to be trustworthy and provide you with high quality and thorough service. Feel free to speak with the team about our insurance approved services to understand more about why this can be an important factor when it comes to repairs on your vehicle.
In some cases, going through your insurance is the only option you have, and if you were the one that caused the accident, then it is up to the other driver as to whether they decide to take it through insurance. Depending on the insurance that you have, it may be more convenient to go through your provider to benefit from courtesy cars and warranties. Some benefits include the following:
Insurance Approved Specialists
When you make a claim with your insurance provider, you will be taken to an insurance approved specialist to complete repairs on your vehicle. One of the major benefits of this is that you will be provided with repairs from a garage with high standards as well as the garage scheduling in work without you having to worry. If you decided to make a claim through your insurance provider, then these are the steps that will be taken:
- Contact your insurance provider to make a claim
- Choose your garage (they must be insurance approved)
- Complete a form to let your chosen garage know what damage to expect
- Your vehicle will then be assessed by the garage and then sent to your insurance company
- Your vehicle will then be booked in for repairs
When choosing Scuff ‘N’ Scratch for your car body repairs in Aylesbury or the surrounding areas, you are given a two-year warranty on any work completed on your vehicle. Our team liaise with several insurance providers and have years of experience in providing not only quality repairs, but insurance approved repairs.
Courtesy Car During Repairs
Whether the claim process takes a long time to pass through your insurance provider, or your vehicle requires you to live without a car for a few days, a courtesy car could be of critical importance. It is always important to make sure that your insurance provider will give you a courtesy car. A courtesy car is usually added as a standard on your car insurance, but you may have to double-check with your provider to see if this is an additional feature. Compare The Market has a helpful guide on getting to know more about a courtesy car insurance cover and how it works.
Luckily, if your insurance provider does not provide you with a courtesy car, and you need one while your vehicle is being repaired, then our service offers a free courtesy car when your vehicle is in our garage. Contact our team for more information.
When you purchase your car insurance, you would have put in a voluntary excess amount. The more excess you put on your car insurance, the lower your insurance will be, but the more you will have to pay out in the event of an accident. For example, if you have an accident that requires £1,000 worth of repairs, but you have an excess of £500, then you will pay £500, and your insurance provider will pay £500. Even if a vehicle only requires small paintwork repair that results in you only paying the excess amount and your insurance provider not having to pay out, it could still affect your no claims bonus.
While it may seem like the cheaper option to pay out excess and then allow your insurance provider to pay the rest, this is not necessarily the case when you think about the impact it will have in the long run. If you lose your no claims bonus, then you also lose your premium, which means that you will no longer have the same price insurance and could be facing hundreds of pounds in increased insurance. Not only this, but you could find that many of the cheaper insurance providers or better providers are less likely to take you on, or at least not without having to pay a large amount.
You can find out more information about no claims bonus, how it works and how it can affect your insurance on Financial Ombudsman Service.
Local Car Workshop Or Insurance?
Whether you choose your local garage or your insurance provider to lend you a hand with your car damage, it is important to think about what each can offer and how bad the damage is. Usually, the worse the damage is, the more likely that going through your insurance will be the best option. Regardless of which one you choose, you can always place your trust in our professional and specialist car body shop in Towcester. Having provided car body repairs in Milton Keynes and the surrounding areas for many years, our team have become well known for their high-quality repairs and eye for detail, providing you with the perfect crash repairs and paintwork. Please feel free to contact the team if you require more information about our services and how we can help.