At-fault with insurance accident claims

How car insurance works when you’re at fault in an accident

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You’ve caused a vehicle accident. You have insurance. What now?

A motor vehicle accident is always a stressful situation. Thankfully, you might be covered for damages if you’re at fault and have insurance. If you have comprehensive insurance policies, you can make a claim to ensure you only pay for the excess and not the full cost of the damage.

Regardless of insurance, getting the ball rolling as soon as possible is vital. Your insurance company may help you rent a hire car, but we can offer you a complimentary accident replacement vehicle.

A Sheen insurance specialist ready to help you with an at-fault accident.
A Sheen specialist helping a driver process an insurance claim.

Starting at-fault insurance claims

Processing insurance after an accident can be complex. If your vehicle has been damaged in an accident and you are at fault, it’s best to contact Sheen first. We can start working on your car and processing your claim with your insurer.

One of the key benefits of our service is our fleet of accident replacement vehicles. When you leave your car with us for smash repairs, we can give you a vehicle that suits your needs and lifestyle for the duration.

Claims process

Here's how we make the process easier. Remember to call Sheen first to get started.

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Contact us

Get in touch with Sheen via phone or upload your smash to get started on repairs and your insurance claim.

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Drop off or pickup

To get a quote, bring your vehicle to your nearest workshop, or have it towed by Sheen.

3

Repairs begin

Drive away in an accident replacement vehicle while our team starts to repair your vehicle.

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Pick up

Your vehicle is back to pre-accident condition. You can pick it up or we can deliver it to you.

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Contact us

Get in touch with Sheen, and we’ll arrange a quote for your insurance provider to authorise.

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Pick up

We’ll come to pick up your vehicle and deliver it to a Sheen workshop near you.

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Replacement vehicle

We can offer you a replacement vehicle if your insurance company doesn’t provide one.

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Drop off

We can deliver your repaired vehicle to you, and pick up our replacement vehicle.

frequently asked 
questions about 
insurance

What do I do when I know an accident is my fault?

Safety is the most important thing. Make sure you and any other drivers at the accident scene are safe and secure. Next, you need to exchange details with the other driver. 

Don’t admit to fault. It’s always best to let insurance agencies sort it out using the police reports.

Before you do anything else, call Sheen. We can organise a tow for your vehicle if it cannot be driven. Then, we’ll give you a quote for smash repairs before liaising with your insurer and getting to work on your car. It’s all part of our commitment to getting you back on the road sooner.

What if I’m the not-at-fault driver?

If you’re not at fault, then the other driver’s insurance provider will cover your smash repair expenses. If you’ve been struck by an uninsured driver, then they’ll still be liable for your costs.

If you have comprehensive car insurance, inform them that you aren’t at fault so that you can benefit from their no-claim discount.

As for your smashed car, call us, and we’ll organise a tow truck to bring your vehicle to our nearest Sheen workshop. Our team can get to work restoring your vehicle to pre-accident condition.

Can you give me advice on my insurance policy?

Sheen Panel Service is not an insurer, and we cannot give you any advice related to insurance. We work with insurance agencies to process claims faster. If you have questions about your specific insurance policy, you’ll need to consult your Product Disclosure Statement or your insurer directly.

LET’S GET STARTED

The first thing we need is a gallery of pictures detailing the damage to your vehicle. Send us your photos so we can give you a quote.