Why is panel beating so expensive?
The make, model, and age of your vehicle heavily influences the amount you get charged by a panel beater. This is because the manufacturer’s stated repair method can impact costs, as good panel beaters will follow their set procedure to restore your vehicle to its pre-accident condition.
What if cost of repair is less than excess?
If the damage to your vehicle is minor, and the cost of repairing it is less than your excess, lodging a claim is unnecessary. You can still have a claims adjustor make an assessment of the damage so you have an accurate idea of the bill you’re facing, but without any obligation to file a claim.
How does excess work car insurance?
Simply put, your car insurance excess is the out-of-pocket amount you have to pay when making a claim with your Insurer. For example, if your standard excess is $500 and your repair claim is $2000, that means you’ll have to pay $500, while your insurance company pays the remaining $1500.
What do Panel Beaters do?
Panelbeaters repair damage to metal, fibreglass and plastic body work on vehicles, and form replacement vehicle panels. Also known as: Collision Repairer. You usually need a certificate III or IV in automotive body repair technology or another relevant panel beating course to work as a Panelbeater.
Do you pay excess If car is written off?
Do you still pay an excess for write-off claims? Yes. Just like any other claim under your policy, when the insurer settles the claim, they will deduct the excess.
Do I have to pay the excess if it is my fault?
You won’t have to pay your excess when someone else claims against you. If you’ve got third party only (TPO) insurance, you won’t have to pay an excess either. That’s because your losses aren’t covered and, when someone claims against you, your insurer covers it.
What happens to an insurance premium when an excess is lowered?
For example, while lowering your excess will reduce the financial strain at claims time, it means you’ll need to pay more to purchase cover in the first place. On the other hand, increasing your excess makes cover more affordable but could put pressure on your budget if you ever need to make a claim.
Do mechanics do panel beating?
Panel beaters have nothing to do with the fixing of the inner workings of your car. Much like mechanics, panel beaters have special equipment and processes, and rely on tools like files and grinding equipment, dollies, gouges, keys, chisels and clamps, and electrical equipment among others.