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Old 01.03.2012, 11:21
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Minor Accident - get money instead of repair?

Hi all - a few weeks back a car reversed into mine. We weren't in the car at the time. We've had some communication with their insurance company and are due to bring the car to our garage for assessment next week.

But just wondering is there an option to get the payment (or part of the repair cost) instead of actually doing the repair? Reason I ask is - car is pretty old and worth < 5k CHF. Our guess is replacing the panel on the car + labour will be in the 2k CHF range, judging by first info from the garage. It is purely a cosmetic thing too, isn't dangering the car in anyway. Just a dent in a panel.

We've seen this sort of thing before in other countries, whereby (completely legal & all above board), you can opt to get a part cash payment instead (eg 70% of the repair cost), to look after the damage yourself...

For us, if we had done this damage I think we'd have got it rust treated + panel beaten back out. Isn't major damage...

Just wondering is this sort of thing normal here? Again, not trying to bend the law or anything, or even make on the deal! Just trying to see are there options which we might not have thought about...

Thanks
K
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Old 01.03.2012, 11:30
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Re: Minor Accident - get money instead of repair?

yes you can, i did this last week the repair cost was 1500, they paid me 1200. 30chf part from ebay and an hour of my time
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Old 01.03.2012, 12:11
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Re: Minor Accident - get money instead of repair?

Depends who you are insured with and what sort of model is in place...
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Old 01.03.2012, 12:23
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Re: Minor Accident - get money instead of repair?

Hi - it isn't my insurance, it's theirs. They reversed into me
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Old 01.03.2012, 12:27
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Re: Minor Accident - get money instead of repair?

Get a quote and send it to them and take it from there.
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