Insurance companies use a wide range of tactics to confuse customers and direct them towards so-called ‘approved garages’ in what is nothing more than a cost-cutting exercise.
Unfortunately, most insurers try to confuse motorists by claiming that these repair shops are better.
Why Insurance Companies Push You to ‘Approved Garages’
In reality, an ‘approved garage’ is simply a garage that has an agreement with the insurance company to charge less in exchange for high volume or work being directed to them.
That agreement usually involves the repairer working at a greatly discounted cost and using methods pre-determined by the insurer.
‘Approved’ in this context has nothing to do with the quality of the repair that will be carried out.
It’s your car, your choice.
Did you know that when you’re involved in a motor accident and need to make an insurance claim, legally you are always allowed to pick the garage you want to carry out the repairs?
Although insurance companies know that they cannot insist on a vehicle’s repair at their chosen garage, they use a wide range of tactics to convince motorists otherwise.
The Truth About Using Independent Repairers
There are over 100 independent accident repair centres across Northern Ireland who can help you during what can be a stressful time.
Many are small, family-run businesses that offer local employment and have been around for decades.
They will work for you alone; they aren’t controlled or manipulated by an insurance company.
A common tactic from insurance companies is to insist that their so-called ‘approved garages’ use spurious parts (cheaper parts that are not genuine nor recommended/sold by your vehicle’s manufacturer).
Your local repairer can engage with your insurer to ensure your vehicle’s repair is subject to the correct manufacturer-approved methods, using only the manufacturer’s parts – unless YOU request otherwise.
Always insist on using the provider that you know and trust; one that can give you independent advice is a good option.
Top 5 Myths Insurance Companies Tell About Car Repairs
Myth 1 – “You Need to Get Three Estimates”
Myth 1 – “You Need to Get Three Estimates”Truth rating: FALSE.
Your insurers appointed engineer can discuss costs with your designated garage.
Myth 2 – “Repairs at Your Garage Won’t Be Guaranteed”
Truth rating: FALSE.
All independent garages will provide a guarantee.
Myth 3 – “You Won’t Get a Courtesy Car”
Truth rating: FALSE.
Many garages can provide a replacement vehicle and, if the accident is not your fault, we can arrange for you to be provided with a like-for-like vehicle, at no extra cost to you.
Myth 4 – “Repairs Will Take Longer”
Truth rating: FALSE.
There is no reason – or evidence – why repairs should take any longer just because you choose a repairer.
Myth 5 – “Your Policy Excess Will Be Higher”
Truth rating: FALSE.
Some insurers try to impose a higher policy excess if you choose your repairer.
This is an unfair practice and one that can be challenged.
If you are not at fault for an accident, you can use our services and you will not have any excess to pay. Everything’s taken care of at no cost to you.
You Have the Right to Choose
Insurance companies aren’t worried about you; their main goal is to save money on claims and make a profit for the shareholders.
If you need to make an insurance claim, remember, independent repairers will be able to guide you through the process and ensure your vehicle is repaired correctly.
Find your nearest independent accident repair centre.
How CRASH Services Can Help You After A Car Crash or Accident
At CRASH Services, we specialise in helping drivers in Belfast, Newry, Derry~Londonderry and across Northern Ireland get back on the road quickly.
After an accident, our expert team will take care of:
- vehicle recovery,
- collision investigation,
- organising repairs,
- providing a replacement vehicle,
- liaising with insurance companies and
- legal and medical
And we do it all, at no cost to the not-at-fault driver.
Our service is free as we recover the costs from the third-party insurers.
Why Choose CRASH Services?
- Established in 1996
- Trusted by Hundreds of Thousands Local Northern Ireland Motorists
- No Cost to You, Costs Recovered from Insurers
- Complete Accident Management from Recovery to Repairs
- 99% Customer Recommendation Rate
Our Mission is Simple:
“To act with care for those involved in road traffic accidents.”
Need Help After an Accident in Belfast, Newry, Derry~Londonderry or anywhere across Northern Ireland?
Call us today on 028 9066 0244 or Request a Callback Today
CRASH Services, take care of everything, at no cost to you!
