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Could you continue to be liable for car repairs even if you have insurance coverage?

Motor car insurance policy really should be simple and, most importantly, supply the motorist with peace of head.

Chat to any motorist and he will usually truly feel cozy that provided he has insurance policies in spot, if there is an accident the repairs will be taken care of. But is that normally the circumstance?

What if the motor body fix business completes the work but the payment is not forthcoming or is delayed for some rationale from the insurance company? Who is liable then?

Richard Green, countrywide director of the South African Motor Human body Repair service Association (SAMBRA), a proud association of the Retail Motor Business Organisation (RMI), claims legally if the insurer fails to make payment on the thanks date for companies rendered, a SAMBRA member is in just its legal rights to keep the auto, or if the vehicle has by now been launched, to declare whole worth from the purchaser.

Environmentally friendly describes that on most contracts to begin with signed upfront by the customer there is a clause which states that the consumer will then be liable for any fantastic invoices as well as for expenditures associated with storage and administration.

“Clearly, this is not a satisfactory arrangement for the unsuspecting motorist or the repairer who has no ensure of acquiring monies for operate completed,” suggests Eco-friendly.

He delivers the adhering to six tips for motorists:

• Know what your normal coverage clauses address
It is really essential to have an understanding of the phrases of your insurance policy deal with.
Important challenges to check out are:
Do you understand the extent of your excessive?
Have you taken use automobile include? It is incredibly inconvenient remaining without having your motor vehicle, so cautiously take into consideration this option.
Understand the conditions of the agreement ought to the motor vehicle be composed off by your insurance provider. Normally the volume they payout in the celebration of a produce-off might not cover what you have remarkable on your finance agreement.
Check who presents authorisation to the repairer, which is frequently presented by the broker on behalf of the insurance provider.
Even so, as pointed out above, the broker cannot shell out the motor body repairer unless of course the funds are supplied by the insurance provider.

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• What are your rights? Can you pick out your repairer?
You could choose your repairer, even so, you want to assure that you have not signed absent that ideal in your insurance company deal. Though it is your suitable to opt for your repairer, you have to opt for a repairer that belongs to a reputable affiliation this sort of as SAMBRA as this makes certain the repairer has accomplished accreditation criteria that must outcome in the shipping and delivery of superb provider and excellent.

• What takes place if your insurance provider/underwriter cannot make superior on the assert? Who is liable for charges?
If your insurance provider does not pay the invoice to your preferred repairer, the repairer is entitled to keep your motor vehicle till entire payment is made. In other terms, if your insurance company does not pay out, you are liable.

• Can you safeguard yourself as the consumer?
The only protection you have is your choice of insurance company and motor system maintenance. Choose a highly regarded insurance provider and use an accredited SAMBRA member.

• What to seem out for
Do your investigation. Be certain that your decision of insurance provider and motor physique repairer are clever selections centered on previous experience or track record. Check out out the qualifications of the service supplier and insurance provider with SAMBRA or SAIA (South Africa Insurance coverage Association). A listing of accredited associates can be observed on
When initial selecting a car or truck be aware that extravagant colors are considerably a lot more highly-priced to repair service. Be informed that if you have added components to your car or truck they could not be included until you have advised your insurance provider and they are observed either beneath thorough or specified include.

“At the finish of the day information is king. Make confident you fully grasp all the phrases and ailments of your repair and your claim somewhat than remaining caught unawares and staying still left with a significant monthly bill when you least hope it. Get the time upfront to go by way of some of these crucial points,” concludes Inexperienced.

• Data: SAMBRA

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