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To make a car insurance claim in Australia, document the scene with photos, exchange details with other parties, report to police if required (e.g. theft or injury), then notify your insurer as soon as possible through their claims line or online portal. Your insurer will guide you through the repair or replacement process.
Your insurer will assign a claims assessor who reviews the information and arranges an inspection of your vehicle. For minor damage, you may be directed to a repairer on their network. For major damage, an independent assessor may inspect the car. If the repair cost exceeds the vehicle's insured value, it will be written off and you'll receive a settlement payment minus your excess.
In most cases, yes — particularly if you were at fault. Many insurers offer an optional 'no-claim bonus protection' add-on that protects your rating after a first at-fault claim. If you were not at fault and the other party's insurer pays, your rating is generally unaffected. After any claim, it's worth comparing renewal quotes against other insurers to ensure you're still competitive.
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