Should You Call Your Insurer or Go Directly to a Repair Specialist? | GVE London – Blog

When you’re in a non-fault accident, you might find yourself wondering about the next steps. Should you call your insurance company instantly or head straight to a specialist repair shop? What’s the right course of action? This situation is already rather overwhelming, especially if you own a high-end vehicle. In this blog post, we’ll guide you through the entire procedure and inform you of all the options you have.

Understanding Non-Fault Accidents

First and foremost, let us understand what a non-fault accident is. While all accidents are unfortunate, non-fault accidents are a salt in the wound. As the name might give it away, it is one where you are not at fault. This could be due to another driver’s negligence, road conditions, or even a mechanical failure. In these cases, you have the right to claim for repairs and other damages, but how you go about it is up to you.

If you decide to make a non-fault accident claim, your insurer will typically handle the claim on your behalf. However, if you own a high-end vehicle, like a supercar, you may want to consider dealing with a specialist repair centre directly. And that is exactly where the confusion arises.

The Options Available To You

If you’ve unfortunately been a part of a non-fault accident, you essentially have two options:

Calling Your Insurer

One of the most common ways people manage a non-fault claim is by contacting their insurer first. It is the solution that jumps out as the most obvious, and insurers generally make the process simple and quick, provided you’ve got enough evidence to prove it really wasn’t your fault. If you go through your insurer, they will work with the other driver’s insurance to cover the costs of repairs. The problem with this method starts to arise when you’ve got yourself a luxury or supercar.

Insurance companies have preferred repair centres, and they might not always be equipped to handle the very specific demands of high-end vehicles. This leaves you in a peculiar situation where you have to risk getting your precious car into a garage that might not do a great job, as these preferred repair centres of insurers are almost never a supercar bodyshop or luxury car repair centre.

Going Directly to a Repair Specialist

Ideally, you’d want to take your supercar to a supercar body repair centre that has the tools, expertise, and experience to handle your vehicle with the care it deserves. These garages, like GVE London, use premium and OEM parts along with technicians with years of experience working on high-end vehicles.

Moreover, luxury car repair centres often offer a level of customer care that may be more personalised than what you’d receive from an insurer’s recommended repair shop. You also have the option to get a quote from the repair centre before you proceed. This allows you to assess the potential cost of the repair without the involvement of your insurer. If the other party is at fault, you could still get their insurer to pay for the repairs, but you would need to be proactive in pursuing the claim.

Read Also: How to Get a Non-Fault Accident Claim After a Car Accident?

So, What’s the Best Option?

The choice, really, boils down to the vehicle you have. Most cars can be fixed at the general garages recommended by insurers but if you have a supercar or a luxury vehicle, you should opt for the expert services offered by a luxury car repair centre. 

While the alternative is simpler, as the insurer would be taking care of the legal and financial side of the claim, saving you the hassle. However, keep in mind that insurers may not always have the same level of care or expertise when it comes to high-end vehicles.

Conclusion

In the end, whether you call your insurer or go directly to a repair specialist depends on your needs and the type of vehicle you own. For high-end vehicles, supercar bodyshop and luxury car repair centres offer a level of service and expertise that may not be available through your insurer’s recommended repair shops. If you want further convenience, get in touch with us here at GVE London. We handle everything from regular repairs and servicing to PPF, detailing, modifications, and more. Contact us today to learn more!