If your car has been damaged in an accident, and no one was injured, you may want to find ways of keeping the costs of repairs as low as possible. Your insurance may pay for the damage, after all that is why you pay the premiums, but what if you have a large excess and cannot afford to pay that? Some drivers have to have an excess of $1000 or more to be able to afford insurance, particularly young drivers.
That is a lot of money to have to find to put your hybrid car back on the road, and even if you can prove it was the other driver’s fault, you may have to wait some time to get your excess refunded. Let’s look at some tricks that could help you to keep your car running after an accident.
You Must Replace A Damaged Windscreen
These tips will only work if the damage to your car is superficial. It has to be safe and legal to put it back on the road. One of the things that you must do is replace a damaged windscreen. Many comprehensive insurance policies will pay for a replacement windscreen without you having to pay the excess, as long as you use reputable windshield replacement services. If your policy does not provide windscreen cover, the cost involved of a replacement will be a lot less than the excess on your policy.
Make Sure Your Tires Are Legal
It is very easy for tires to get torn in an accident, so before taking your car back on the road you need to make sure they are undamaged and legal. Failure to check them could lead to some nasty fines as well as potentially cause another accident.
Check Door Locks And Seatbelts
Make sure all your door locks and seatbelts are working properly. You do not want to end up responsible for someone falling out of your car because one of them is faulty. Often, repairing them is a simple job, but if that is not the case, leave them in the locked position until the car is repaired properly, and do not let anyone one use the damaged seatbelt.
Deal With Any Protruding Metal
If there is damage to your car’s bodywork there could well be bits of metal protruding. If possible you should push them inwards, or remove them, whichever is the easier. Your car may not look very good, but it will certainly be safer.
Check With Your Insurers
Before you put yourself through the hassle of any of the above you should speak to your insurers. If the other driver was obviously at fault they may provide you with a courtesy car till yours is repaired, and not make you pay the excess. The other driver’s insurance company will reimburse them in full, and if they know that money is going to be paid back to them, they will be a bit happier about not making you pay the excess up front.
Each insurance company handles these things differently, so make sure you find out exactly how yours can help you.