Accidents are pretty traumatic. Yet, before you could even process the initial shock, you’ll be faced with a hundred different questions.
Regardless of the trouble you’re in, you have to do what you have to do. And what is that exactly? File an insurance claim, even when it’s not your fault.
Filing an insurance claim can be daunting, especially when your life just flashed before your eyes. However, with the proper guidance, you can navigate with full confidence.
GIA Smash Repairs can streamline this lengthy and stressful process for you.
Here, let’s go through the step-by-step system of filing an insurance claim and some common problems you may face.
Step-by-Step Process to File a Smash Repair Insurance Claim
Step 1: Collect accident details
You need visual evidence at the scene, from the licence plates to the street signs.
This is your strongest tool to speed up your claim for car accident insurance Australia. It also helps your insurance provider evaluate your case efficiently.
Step 2: Contact your insurance provider
Contact your smash repair or panel beater insurance company. Provide them the necessary details they need to kickstart your insurance claim smash repairs.
The fastest way you can do that is through a mobile application, where you can file your claim digitally.
Step 3: Get an insurance claim number
Once the insurance claim has been filed, your insurer will give you an insurance claim number. This is a unique identification code assigned for each claim. You will need it for dealing with other issues related to your smash repair claim in Sydney.
Step 4: Choose a repairer—why you can choose your own (legally in Australia)
You have the complete liberty to choose your accident repair Sydney to handle your repairs.
GIA Smash Repair is a trusted smash repairer Sydney. We have experienced technicians with the right tools and technique to get your car looking like its old glorious self.
Step 5: Smash repairer sends a quote to insurer
Once you have picked your repairer, your chosen expert will provide a complete quote directly to your insurer. They will send in the pricing breakdown together with the photos of the damage assessment.
This way, your insurer can effectively determine the repair scope and their estimated costs.
Step 6: Wait for insurer approval
After the car insurance claim is evaluated with all the documentation, your claim may either be approved or not. You have to wait for the approval before you proceed with any repair.
Step 7: Get the repair work done
Once the approval is in place, you can greenlight the repairs. Now, depending on your policy coverage, you may need to pay a deductible or work it out with the repair shop.
Step 8: Pay excess (if applicable) and pick up your vehicle
When the repair work is done, you’ll be contacted to pick up your car. If the expenses of the repair are more than the policy, you have to pay for the excess. From there, you’ll be ready to hit the road.
Do You Have to Use the Insurer’s Recommended Repairer?
In Australia, you have the legal right to choose your smash repair service, even if that is against the recommendations of the insurer.
You will be given fair treatment and exercise the freedom to make your own choice based on trust and convenience.
Why Using a Trusted Local Repairer Like GIA Is Often Better
Local repairs like GIA provide top-notch workmanship, layered with care and convenience. We can offer personalised service to meet your unique smash repair needs.
You will never be just another job ticket for us. We work to foster long-term relationships with you.
More than that, we are familiar with the local insurance in Sydney and the legal requirements. This knowledge gives us the advantage to assist you efficiently, from the paperwork to claim filing.
How GIA Smash Repairs Helps You
Free insurance quote service
We can provide you with a cost estimate without making you pay for it. You won’t be pressured into committing without understanding what you’re paying for.
Claim lodgement support
We have a team of friendly experts who can guide you to collect and organise your documents. We will ensure all paperwork is complete and correct and submitted on time.
Direct communication with insurance companies
Communication can be really annoying with large smash repair providers, but not with us. We are keen about consistent communication, keeping you in the loop at every stage of the repair process.
Fast turnaround & lifetime warranty
Unlike big repair shops around Sydney, we can attend to your needs a lot faster. Why? Because we have a more agile repair process and take on fewer vehicles at a time.
Common Insurance Claim Mistakes to Avoid
Not reporting the accident in time
Insurance policies have stringent deadlines to ensure evidence remains intact. If you miss the “filing claim” dates, your claim can be denied, regardless of validity.
Not getting proper documentation/photos
Without visual proof, it’s hard to prove the legitimacy of your claim. Your insurance company wants your detailed recordings to provide undisputable evidence of the claim.
Assuming you must use the insurer’s workshop
According to Australian consumer law, you have the right to pick your smash service repairer. So, choose the repair shop that you trust and are comfortable with using.
FAQs
Can I get my car repaired before insurer approval?
Generally speaking, no, you can’t. You should always wait for your insurer’s thumbs up before going with the repair.
How long does a typical insurance repair take?
That really depends on the damage and the availability of the car parts. Typically, minor collision repairs last 2 to 3 days, while major work can take a week or more to finish.
What if the damage exceeds the insured value?
Your insurance provider will only pay for the policy limit. So, for the excess expenses, you will have to cover it. This can be difficult, but there are ways to get extra compensation, like claiming for additional damages.
Final Thoughts
Reinforce the ease of working with GIA. Whether you need assistance understanding your insurance coverage or speaking on your behalf, we’re right there with you. We will support you in navigating the intricacies of handling your insurance claim journey.
As you take the essential steps to get back into the driver’s seat, we encourage you to reach out for help. Rest assured, you will receive the highest quality service you deserve.