Yes, you can get your car repaired without insurance in Australia, and many people do if they have no comprehensive insurance or choose not to claim. If your car is damaged in an accident and you only have Compulsory Third Party insurance or Third Party Property Damage, which does not cover your own car, you will need to pay for repairs out of pocket. You can take your car to any smash repairer, get a quote, and pay yourself. Costs vary widely, a minor bumper repaint costs $500 to $1,200, a door replacement $800 to $2,000, major front-end damage $3,000 to $10,000+. If another driver was at fault and you can identify them, you can claim against their insurance or pursue them personally for repair costs, even if you have no insurance yourself. You should get at least two quotes, take photos, and send a letter of demand with repair quotes to the at-fault driver. If they refuse, you can go to small claims tribunal in your state, such as NCAT in NSW or VCAT in VIC, for amounts up to $25,000. You can also get your car repaired without insurance if you have comprehensive but do not want to claim because excess is $1,000 and damage is $1,200, so you pay yourself to keep no-claim bonus. Legally, you must ensure car is roadworthy after repair, with no structural damage, lights working, and if it was a written-off vehicle, it must pass written-off vehicle inspection before re-registration.
1 votes
Marked as accepted