QUICK ANSWER
A small dent does not always mean a small repair bill. Parts, labour, paint, safety-system checks and damage found during repairs can all change the cost. Ask for an itemised estimate before work is approved.
If anyone is seriously injured, in immediate danger, or the road is dangerously blocked, call 999 or 112 first.
What a repair estimate normally includes
An estimate can include parts, labour, paint and materials. It may also cover wheel alignment, the maker’s repair methods and checks or adjustments to safety sensors. VAT, recovery, storage and a hire car may cost extra. Ask for a list of what is included and what is charged separately.
The estimate, approval and final bill
An estimate sets out the expected work and cost. Approval gives the garage permission to go ahead. The final bill lists the work done. More damage may be found during repairs. Ask who can approve extra work and whether you might have to pay for any of it.
Why apparently small impacts can cost more
Behind a bumper are parts such as crash bars, brackets, sensors and wires. These may be damaged too. Safety sensors may need to be set up again after repairs to glass, steering, suspension or bodywork. Paint may need to blend across several panels so the colour matches.
When a vehicle may be treated as a total loss
Your insurer may decide that repairing the car would cost too much or would not be suitable. It compares the repair and other costs with what the car was worth before the crash.
Ask how it worked out the value, including mileage, condition and similar cars. If you disagree, send relevant adverts, service records and proof of your car’s features and condition.
Questions before repairs begin
- Who is authorising and paying for the work?
- Which repairer will be used and what warranty applies?
- Are genuine, alternative or recycled parts proposed?
- Could I have to pay an excess or part of the cost if new parts improve the car?
- Will I get a record of the checks and work on safety sensors?
- What happens if additional damage is found?
Sources and further help
- Financial Ombudsman Service: vehicle valuations and write-offs — how complaints are assessed
- Thatcham Research — vehicle repair and safety research
WANT TO DISCUSS WHAT HAPPENED?
Need help after a non-fault accident?
Call to ask about recovery, repairs or a replacement car. Have the details you know ready. Ask who will help, what you must sign and what you might have to pay.