Car Damaged and No Insurance in WA: Your Options

You don’t need the added stress of damage to your car. Finding out you don’t have full insurance can make you feel a lot worse. And then suddenly you’re faced with repair quotes, phone calls and hard decisions.

The good news is that you still have choices. This guide explains your next steps, from working out who’s at fault to deciding whether to repair or remove your damaged car in Perth.

What Happens If Your Car Is Damaged and You Have No Insurance?

The options available to you will depend largely on who was at fault in the accident.

Many WA drivers think their rego covers crash damage. No, it don't. Every WA vehicle licence comes with motor injury insurance, but it only covers injuries caused in a crash. It doesn’t cover damage to vehicles or other property.

So if your car is damaged and you don’t have insurance against damage to your vehicle, the repair bill usually goes to the person legally responsible. 

What Should You Do After the Accident?

First, check that everyone is safe. Then take these steps:

• Document everything. Photograph the damage, the scene, number plates and road conditions.
• Exchange details. Swap names, addresses, phone numbers and vehicle details with the other driver. Collect witness details too.
• Report the crash if required. You must report it to WA Police immediately if anyone is hurt or the damage will likely cost more than $3,000 to repair. You can report online or at a police station.
• Get repair quotes. Ask at least two repairers for written estimates.

Don't admit fault or offer to pay at the scene. Get advice first.

Who Pays for the Car Repairs?

• The other driver is at fault. You can claim repair costs from them or their insurer. Send a written request with your photos and quotes. If they're also uninsured, you may need to recover the money from them directly.
• You're at fault. You'll usually pay for your own repairs. You may also have to cover damage to the other vehicle.
• Both drivers share the blame. Costs are often split according to each driver's share of responsibility.

In WA, an uninsured car accident can lead to a dispute. If the other driver refuses to accept liability, get legal advice. Legal Aid WA can give advice on claims for property damage and has a car crash self help guide on line. 

Should You Repair or Sell Your Damaged Car?

Compare your repair estimates to the current market value of the car. It is not logical to repair a car if the cost of the repairs is close to or greater than the value of the car. Hidden damage can also blow up the bill once the work starts.

If the numbers just don’t add up, you can sell your damaged car in Perth to a private buyer, a dealer or a car removal service. Private buyers tend to shy away from accident damage and a removal service is usually easier. Scrapping car removal Perth is a responsible way to recycle your vehicle if your car is beyond saving. 

Get Help With Damaged Car Removal in Perth

WA Car Removals collects broken down, wrecked and scrap cars all over Perth. We offer free car removal throughout all Perth suburbs. Your quote is based on the make, model and condition of your car. And it’s completely free.

When you call, we’ll confirm your eligibility, collection times and any paperwork you need. Please bring your proof of ownership and photo ID. 

Weigh Up Your Options

It’s hard to have a damaged car without having comprehensive cover, but you can still take control. Record everything, report the crash when necessary and find out who is responsible. Compare repair costs to your car’s value before deciding.

If its easier to sell, get a quote or call WA Car Removals on 0422 622 617. Our team will help you with your options for removing your damaged car.