How Insurance Claims Work After a Collision

Being in a collision is stressful. Understanding how the insurance claim process works - and what your repairer's role is - can make the whole experience much smoother.

Call Us Now 09 486 3980

spotonusr Spot On Panel Beaters · Published April 2026 · 1 min read

The Claim Process Step by Step

After a collision, most insurance companies want you to get a quote from an approved repairer. At Spot On, we work with all major NZ insurers and can handle the assessment, quote, and repair process from start to finish.

What to Expect

Contact your insurer and lodge a claim
Book an assessment at an approved repairer
Your insurer reviews the repair quote
Work begins once approved – usually within 3-5 working days
You pay your excess; insurer pays the rest directly to the repairer

Tips for a Smoother Claim

Document the scene thoroughly with photos. Exchange details with all parties. Don’t admit liability at the scene. And choose a repairer with experience handling your insurer’s claims process – it makes a big difference to how smoothly things move.

Keep Reading

Tips

May 20, 2026

Why The Cheapest Fix Isn’t Always The Best One

When your car needs repairs, it's tempting to go with the lowest quote. But the cheapest option often costs more in the long run. Here's why quality matters....

Water Leak Repairs

May 10, 2026

5 Signs Your Car Has a Water Leak Problem

Water leaks in cars are sneaky - they often don't make themselves obvious until there's mould in your carpet or rust in your floor pan. Here's what to look for early....

Rust Repairs

April 28, 2026

How to Spot Hidden Rust Before It Becomes a Big Problem

Rust doesn't always start where you can see it. By the time paint starts bubbling, the damage is often well advanced. Here's how our panel beaters check for early-stage corrosion....