Never let anyone talk you out of claiming
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A security company employee reverses into your stationary car in his response vehicle and admits fault. Surely the company or its insurers should pay for the repairs, not your own insurer?
That instinct has cost a Durban pensioner six months and half the repair bill.
She lodged a claim with her insurer, her car was assessed and approved for repairs, but she was advised by her broker to withdraw it and go after the driver's company instead. Five months on, their insurer offered her R12 000 against repair quotes of R26 000.
Third party claims are slow and pay-outs are generally small.
Claim on your own policy, every time. Your insurer repairs the car, then recovers the costs from the third party’s insurer, including your excess which will then be refunded to you.
That instinct has cost a Durban pensioner six months and half the repair bill.
She lodged a claim with her insurer, her car was assessed and approved for repairs, but she was advised by her broker to withdraw it and go after the driver's company instead. Five months on, their insurer offered her R12 000 against repair quotes of R26 000.
Third party claims are slow and pay-outs are generally small.
Claim on your own policy, every time. Your insurer repairs the car, then recovers the costs from the third party’s insurer, including your excess which will then be refunded to you.
