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What if the car insurance does not cover it?

Sep 28, 2018
3 min reading time

When car damage occurs, you may turn to auto insurance to pay for repair costs. But not always a payout from the auto insurance follows. In that case, you must pay the costs yourself. How do you keep costs as low as possible?

You can file a car damage claim from an accident with another vehicle on All-risk insurance. With the two more limited forms of insurance, you often don't get paid for your own damage. For damage repair, you will have to draw on your savings account in that case. There are ways to cut costs.

What about the other party's damages?

Third-party car insurance is mandatory. Car insurance provides coverage for damage caused to others. The other party even has a direct right of action against the insurer of the person who caused the damage. The other party can therefore claim the insurer for the damage without you. Of course, the insurer will contact you to request your story behind the damage.

Is the damage recoverable?

Your auto insurance policy may not pay out, but the damage may be recoverable from the person who caused the damage. In that case, you can have the damages paid by the insurer of the person responsible for the damage. This requires that you hold the other party liable for the damages. You can leave this to the legal expenses insurance or to the recourse insurance linked to the car insurance. Of course, you can also turn to They can recover the costs from the party that caused the damage.

Getting the damage repaired yourself

You can, of course, hire a damage repairer to repair the damage yourself. You make your own appointment with the damage repairer and, of course, the bill will also be sent directly to you. It is a good idea to ask for an estimate of the repair costs first. An optically small damage can result in high costs.

Does car insurance not provide coverage? Then keep the cost down

If you have car damage insurance, do not delve further into the amount of repair costs. Having to pay the repair costs yourself is a good reason to look for the cheapest way to repair the damage. Of course, it should not be at the expense of quality, but you do not want to pay too much either. There are websites today where you can file a claim. These include:

  • Carglass

How do these websites work?

The websites allow you to leave your details along with a description of the damage and photos. Based on this data, they try to solicit quotes from repair shops. At Carglass, it works a little differently. They focus on small paint damages and dents. They perform the work themselves.

So if car insurance does not provide coverage, there are other ways to keep costs down.

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