After an accident or mechanical problem, some drivers prefer to take care of repairs to their vehicle themselves. However, the question of compensation by insurance arises, since it can then refuse reimbursement of costs. This decision essentially depends on the contract signed and the condition of the vehicle.
The different types of insurance contracts and compensation for repairs
Depending on the type of contract, car insurance may or may not cover repairs.
Civil liability contracts only compensate for damage inflicted on the other vehicle, without any reimbursement for the contract subscriber. On the other hand, all-risk packages cover the repairs of both cars involved, even those of the contractor.
Insurance expertise is essential to assess the extent of the damage and determine the necessary repairs. Then, this work must be carried out in accordance with the expert’s recommendations to guarantee compensation.
However, it is crucial that repairs do not compromise the safety of the driver or other road users. Therefore, certain interventions, such as windshield replacement, must be entrusted to professionals due to their complexity and the importance of their impact on safety.
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Compensation and insurance limits
Compensation usually includes the cost of replacement parts as well as an allowance for labor. However, for complex repairs, it is imperative to call on a professional approved by the insurer.
If the repairs are carried out by the vehicle owner without respecting the expert’s recommendations, the insurer may refuse compensation.
In addition, work relating to the mechanics or structure of the vehicle, and which requires specialized equipment and professional skills, is not covered.
In these cases, it is best to entrust the repairs to experts to avoid compensation problems later.
To remember :
- Following an accident or breakdown, some drivers choose to repair their vehicles themselves.
- However, the insurance may refuse compensation if the repairs carried out do not meet established standards.
- The insurer’s expertise remains mandatory in order to assess the damage and necessary repairs.
- For safety reasons, certain interventions must be entrusted to professionals, such as windshield replacement or mechanical and structural problems.
2024-02-17 08:13:39
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