What to Do After a Minor Car Accident
- Jun 5, 2022
- 1 min read
Not every minor accident needs to become an insurance claim.
The issue
After a bumper bashing, a vehicle owner may exchange details and notify the insurer, only to discover that the policy excess is higher than or close to the repair cost.
In the original example, the excess was R4,000 while the repair quote for the bumper was lower than the excess.
Practical considerations
Compare the excess with the repair quote.
Consider whether claiming may affect future premiums or claims history.
Keep proper records of the collision and the other driver’s details.
Check the policy wording before deciding how to proceed.
Key takeaway
Before claiming for a minor collision, understand the financial effect of the excess and the terms of the policy.