Can You Choose Your Own Repair Shop in a Non-Fault Claim? | GVE London – Blog

Without beating around the bush, the short answer is yes, you can choose who repairs your car after a non-fault accident claim. Ideally, if you’re going to choose, go with someone with a 

proven track record of good work, and you’d also want the insurer to meet reasonable costs.

If the crash was not your fault, you can claim against the at-fault driver’s insurer. You can also ask your own insurer to handle things and recover costs later. Either route aims to put you back in the same position you were in before the accident. That includes using a car bodyshop or local car accident repair centre of your choice.

Why Insurers Prefer Approved Repairers

Insurers already have tie-ups with approved garages that offer them quick appointments, warranties and a standard process. Going to their recommended car accident repair centre and result in your offer being accepted easily, but remember that you aren’t obliged to use them. You have the right to make your own choice and pick out a service centre of your own choice. 

If You Pick Your Own Garage

Now, inform the at-fault insurer or the handler that you want to opt for a specific car bodyshop. Get a written estimate from said shop and send it to the insurer. They will pay the reasonable costs associated. If they refuse, they’ll have to explain it, and if they don’t budge, you can file a complaint and escalate to the Financial Ombudsman Service.

Simple Steps That Help Your Case And How To Claim Non Fault Accident

Evidence is what you need, and evidence can be gathered at the scene of the accident. Videos, photos, witness accounts, witness names, details of the damage, everything you can find, jot it down. Ask your chosen car accident repair centre for a full written quote and a timescale. Keep every receipt and any MOT or service records. These small steps can strengthen your position if a dispute comes up.

Read Also: Will a Non-fault Accident Affect My Insurance?

Costs, Quality And Guarantees

Approved repairers often back their work with guarantees. Independent garages can too, especially if they belong to recognised trade schemes. The at-fault insurer should meet reasonable, itemised costs. If they dispute price or parts, ask them to show why and get that in writing.

What Can Go Wrong And What To Do

Insurers sometimes push their network for speed and cost control. That may feel like pressure. Repairs can be delayed by parts shortages or by valuation disputes. If the vehicle is returned poorly repaired, ask the repairer to fix it. If that fails, use the insurer’s complaints process and then the Financial Ombudsman. Keep copies of everything.

Extra tip: visit your chosen garage before committing, ask about parts sourcing, warranty length and membership of recognised trade bodies, then compare two written estimates and ask questions.

Conclusion

You are usually free to choose your own repair shop after a non-fault car accident claim. The at-fault insurer should pay reasonable costs for proper repairs. Pick a reputable car bodyshop, such as GVE London. Our technicians, tools and facility are all the best the UK has to offer. Get everything in writing and keep clear records. Furthermore, being enthusiasts, we not only perform the usual repairs and service but can work on customisation, window tints and detailing as well. To know more, hop on a call with us today!