Question: Can an insurance company force me to use a specific panel beater?
Understanding insurance company policies
Insurance companies often have lists of approved panel beaters. These partnerships ensure quality workmanship and help streamline the claims process.
When you file a claim, your insurer may either provide the funds needed to repair your car, or require you to use one of their approved panel beaters.
Read about the steps to qualify for car insurance.
Requesting to use your preferred panel beater
If you prefer to use a panel beater of your choice, you must make a formal request to your insurer. You can call or write to your insurance company’s claims manager to explain your reasons. The insurer will consider your request based on the information you provide.
Risks and responsibilities
Be aware that if you use a panel beater that is not approved by your insurer, the insurance company cannot guarantee their workmanship. This means you will be responsible for resolving any resulting defects or problems yourself.
Find out which car insurance is the cheapest for young drivers.
Steps to follow if you want to use your own panel beater
- Check your policy: Review your insurance policy to understand the terms regarding panel beaters.
- Make a request: Write to the claims manager if you wish to use a panel beater not authorised by your insurer.
- Understand the risks: Acknowledge that using a non-approved panel beater may void certain guarantees from your insurer.
By understanding your policy terms and conditions, and following the above steps, you can make informed decisions about vehicle repairs covered by your insurance.
For more detailed financial content, visit JustMoney.
