Car accidents with no insurance

Vehicle repairs for uninsured drivers

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Sheen Panel Service
From over 1,000 reviews

4.8

CONVENIENT LOCATIONS

CONVENIENT LOCATIONS

LIFETIME GUARANTEES

LIFETIME GUARANTEES

REPLACEMENT VEHICLES

REPLACEMENT VEHICLES

FREE PICKUP & DELIVERY

FREE PICKUP & DELIVERY

What happens in an accident when you don’t have insurance

Car accident? No insurance? Under the law, at-fault drivers usually have to pay to repair damages to the car of the other driver following a motor vehicle accident. If you have comprehensive insurance, you’ll likely be covered for these damages. But you'll have to pay out of pocket if you cause a car accident without insurance.

While this may seem daunting, what’s more important is that you are safe. The next step is getting you back on the road to get on with your life. That’s what Sheen’s no-insurance panel repair service is all about. And don’t worry about the cost of a rental car — we’ll set you up with a complimentary accident replacement vehicle while we repair your car.

An uninsured driver in consultation with a Sheen panel beater.
A Sheen smash repair specialist repaints a damaged car.

Panel beating without car insurance

If you’re uninsured or your insurance policy won’t cover your costs, Sheen will offer you the most competitive repair prices. We aim to get you back on the road as soon as possible, but rest assured that we don’t cut corners with safety or quality. What’s happened has happened, and it’s time to look forward to the next steps.

One of the best benefits we can offer uninsured drivers is our accident replacement vehicles. Many insurance policies provide a hire car for drivers with vehicles under repair, but the drivers still have to pay to rent it. We offer free replacement vehicles as part of our panel beating process at no cost to you, meaning you don’t need insurance to stay on the road.

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.

2

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.

4

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.

2

Pick up

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

3

Replacement vehicle

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

4

Drop off

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

frequently asked 
questions about 
insurance

What happens after an at-fault accident?

If you’re at fault after an accident on the road, you’ll likely be contacted by the other driver’s insurance agency. Depending on the insurer, they might seek a payment plan to pay for damages rather than trying to get the entire amount off you in one go. This can take weeks to months.

In the meantime, you should call Sheen. We can start repairing your vehicle to pre-accident condition, getting you back on the road sooner.

What if I don’t think I’m at fault in an accident?

After an accident, figuring out who is at fault is one of the first and most important things to do. It’s best not to admit fault and let the authorities sort it out. 

You can always seek legal advice or fight a decision in court. This may be expensive and not worth the hassle. The injured party may stop chasing you for money if it comes to that. The final outcome will depend on the circumstances of your incident. 

If you’re not sure what to do, call Sheen first. We can at least start getting you back on the road so you can get on with life.

Can you recommend a comprehensive car insurance company?

Sheen Panel Service is not an insurer. We cannot recommend insurance policies. We simply work with insurance companies to process claims for smash repairs. If you’re looking for comprehensive car insurance, you’ll need to research a policy with comprehensive coverage and manageable car insurance premiums.

UPLOAD PICTURES FOR A QUICK QUOTE

Send us a comprehensive gallery of pictures so that we can assess the level of damage to your car. We can then offer you an accurate and competitive quote.