Being involved in a car accident is never part of the plan. Whether it’s a minor scrape in a car park or more serious collision damage, the uncertainty around the car insurance claim process often causes more stress than the repair itself. Many drivers worry about paperwork, delays, and whether their car will be repaired properly.
At JS Coachworks, we handle insurance claims every day, so we understand how confusing the process can be. That’s why we’ve created this step-by-step guide to help you understand what happens, your rights, and how to ensure your vehicle receives the quality repairs it deserves.
If you need advice or immediate support, call us on 020 8699 3488 or email info@jscoachworks.co.uk.
At JS Coachworks, we don’t just repair cars, we guide drivers through the entire car insurance claim process, handling the paperwork, communication, and repairs so you can get back on the road with confidence.
What Is The Car Insurance Claim Process?
The car insurance claim process is the formal procedure you follow to get your vehicle repaired after an accident, theft, or damage covered under your policy. It involves reporting the incident, arranging assessments, approving repairs, and completing the work in line with insurer and manufacturer standards.
In the UK, drivers have the legal right to choose their repairer, even if an insurer suggests otherwise. Choosing a reputable, manufacturer-approved body shop ensures your vehicle is repaired safely and correctly, without compromising its value.
Step 1: Make Sure Everyone Is Safe And Gather Information
Immediately after an accident, safety always comes first. Once everyone is safe, gather essential details, including:
- Names, addresses, and contact numbers
- Vehicle registration numbers
- Insurance details
- Photographs of the damage and accident scene
These details will be crucial when starting the car insurance claim process, especially for fault and non-fault claims.
Step 2: Contact Your Insurance Provider Promptly
Most insurers require you to notify them as soon as possible following an incident. When reporting the claim, you’ll usually receive a claim reference number, which will be used throughout the process.
At this stage, remember: you are not obligated to use your insurer’s recommended repairer. You can inform them that you wish to use JS Coachworks for your car body repairs.
Step 3: Choose Your Repairer – You Have The Right
Many drivers are unaware that UK consumer law protects their right to choose a body shop. Selecting a Volkswagen Group-approved accident repair centre, such as JS Coachworks, ensures repairs meet strict manufacturer standards.
We regularly assist customers with both fault claims and non-fault claims, managing communication with insurers to keep the process simple and stress-free.
Step 4: Vehicle Damage Assessment And Approval
Once your claim is logged, an assessor may inspect your vehicle, either in person or via images. This assessment determines the scope of repairs and approval for work to begin.
Our experienced technicians conduct thorough evaluations to ensure all visible and hidden damage is identified. This prevents issues later and ensures your car insurance claim process runs smoothly from start to finish.
Step 5: Repairs Begin Using Approved Methods
After approval, repairs can begin. At JS Coachworks, we use:
- Manufacturer-approved repair techniques
- Advanced diagnostic and calibration equipment
- Environmentally responsible hybrid spray booths
Whether it’s accident damage, structural repairs, or cosmetic work, our goal is always to restore your vehicle to its pre-incident condition safely and precisely.
Step 6: Fault Vs Non-Fault Claims Explained
Fault Claims
A fault claim means your insurer pays for repairs, and you may need to pay an excess. This can affect future premiums.
Non-Fault Claims
If another driver is responsible, repairs are usually handled through their insurer. Your no-claims bonus is typically protected, and you may be entitled to a courtesy car.
We support customers through both routes, explaining each step clearly and handling insurer communications on your behalf.
Step 7: Final Inspection And Vehicle Handover
Once repairs are complete, every vehicle undergoes a rigorous quality check. We ensure paint finishes, panel alignment, and safety systems meet manufacturer standards before returning your car.
We also provide clear explanations of the work carried out, offering reassurance that your vehicle is road-ready and fully compliant.
Why Choosing The Right Repairer Matters
The quality of repairs directly impacts your vehicle’s safety, value, and longevity. By choosing a trusted repair centre, you benefit from:
- Manufacturer-approved repairs
- Preserved vehicle warranties
- Lifetime paintwork guarantees
- Transparent communication throughout the claim
This is why so many drivers trust JS Coachworks during the car insurance claim process.
Let JS Coachworks Handle Your Insurance Claim With Confidence
Navigating the car insurance claim process doesn’t need to be complicated. With experienced technicians, manufacturer approvals, and a customer-first approach, we make the journey straightforward from start to finish.
If you’ve been involved in an accident or need guidance with an insurance claim, speak to our team today on 020 8699 3488 or email info@jscoachworks.co.uk. We’re here to help you every step of the way.
FAQs
1. Do I have to use my insurer’s repairer?
No. You have the legal right to choose your own repairer, provided repairs meet insurer standards.
2. Will making a claim affect my insurance?
Fault claims may affect premiums, while non-fault claims usually don’t if liability is accepted.
3. How long does the car insurance claim process take?
Times vary depending on damage severity and insurer approval, but clear communication helps prevent delays.
4. Can you help with the paperwork?
Yes. We manage insurer communication and documentation to reduce stress for our customers.
5. Are repairs guaranteed?
All our paintwork comes with a lifetime guarantee for added peace of mind.
