Vehicle repairs and an insurance claim

At a glance

Preserve the pre-repair condition, estimate and insurer's instructions where practicable. Repairing an unsafe vehicle should be considered with safety and evidence needs in mind.

Law and context

Own-damage coverage follows the policy and applicable insurance requirements. Assessment, authorisation, deductibles and replacement terms can affect the payable amount. An authorised repair estimate is not always the same as a final settlement.

Practical next step

Keep dated photographs, estimates, job cards, replaced-part records where available and final invoices. Record inspection and approval communications before disputing deductions.

Important qualifications

This page does not say that every repair requires prior approval or that every expense is reimbursable. Check the policy and circumstances promptly.

Document checklist

• Damage photographs
• Estimate and job card
• Inspection correspondence
• Final repair invoice

Sources

• The Consumer Protection Act, 2019 — 2,38,39
• The Insurance Act, 1938 — 64UM

General information. The appropriate course depends on the complete facts, documents and applicable law. Editorial process and website disclaimer.