Insurance Smash Repairs in Nowra

An insurance smash repair typically covers all accident-related damage necessary to return a vehicle to its pre-accident condition. This can include dent removal, panel beating, replacement of damaged parts, frame straightening, and refinishing with colour-matched paint. In some cases, it may also involve repairs to safety features such as airbags, sensors, and lighting if they were affected by the collision. Non-accident-related issues, such as pre-existing dents or mechanical wear, are usually not included unless agreed upon separately. The repair scope is guided by the insurer’s assessment and the repairer’s inspection.

In many insurance policies, drivers have the option to nominate their own smash repairer under what’s called “choice of repairer.” This allows policyholders to select a workshop they trust to complete the repairs. However, some insurers restrict this and require drivers to use a preferred repair network. If choice of repairer is important, it’s worth checking the Product Disclosure Statement (PDS) before taking out a policy. Even with restrictions, exceptions can sometimes be made if there are no approved repairers nearby or if specialist work is required.

Excess is the out-of-pocket amount a driver pays when making an insurance claim. For smash repairs, the excess is generally paid directly to the repairer before the vehicle is collected. The insurer then covers the remaining repair costs. The amount of excess depends on the policy, the driver’s claims history, and sometimes the circumstances of the accident. Some policies offer reduced or waived excess under certain conditions, such as not being at fault and identifying the other driver. Checking the policy schedule helps drivers understand what excess applies to their repair.