If someone bumped a shopping cart into your car, this may leave your car with a minor dent. A panelbeater’s quote for fixing a small dent like this may be much lower than the excess listed in your car insurance policy. While your insurer could cover the repair, the higher cost of the excess may mean it’s cheaper to avoid making a claim and instead pay for the repairs out of your own pocket.
However, if your car’s panels are dented by an intense hailstorm, the repair bill for…
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