One accident, and suddenly there is an insurer to notify, a surveyor to meet, parts to argue about and a car you might not be able to drive. We take that list off you and hand the car back properly repaired.
This page is the claim and the repair. Comparing insurers, renewals and what a policy actually covers before you sign it all sit on our car insurance broker page instead.
The two meet at one line in your policy. The workshop-of-choice clause decides whether you pick who repairs your car or your insurer picks for you, and it is worth reading at renewal rather than from the side of the road.
The first call sets up everything that comes after it. Tell us which one you are sitting in and we will tell you what happens next.
Bumper caved in, a wing creased, a boot lid that only shuts if you lean on it. Bring it over when you can and the assessment starts the day it arrives. Nothing is ordered before the damage has been written down and the insurer has seen it.
Send us a photo → 02Fluid on the road, a wheel sitting at an angle, a panel pressing into a tyre. Tell us where the car is and we will sort the flatbed rather than have you gamble on driving it home. Once it reaches us the assessment starts, filed claim or not.
Get a tow arranged → 03Then the claim may not need to go through your policy at all, and your no-claim discount stays where it is. That route rests on what got captured at the scene, so send us the photos and the other driver’s details and we will tell you whether it stands up.
Ask about a third-party claim →An impact hard enough to fold a wing has usually moved something behind it. The panel is what you notice, because the panel is what you look at every morning. Underneath, that same hit can pull the chassis out of alignment or crack a housing that only starts weeping days later, once the car is back in daily use and the claim is closed.
So the assessment goes wider than the damage you point at. Every panel the impact touched gets inspected and photographed, and what sits behind those panels gets checked too. That second part is the bit that gets skipped, and it is the bit that turns a signed-off claim into a return visit you end up paying for out of your own pocket.
You get the photos and a plain summary of what we found, panel by panel, with repair or replace called and the reasoning next to it. That summary is what goes to the insurer, and a copy is yours to keep. If it is the bodywork side you want to read about, our paintwork and body repair page covers the panel beating and the spray in its own right.
We work with all the major insurers, so the name on your policy does not change how any of this runs.
Where the car is, whether it moves, who was at fault if that is already settled, and your claim number if you have one. If nothing has been filed yet, we put the claim in with your insurer for you.
Drive it in, or tell us where it is sitting and we send the flatbed. Collection and drop-off get planned around you rather than around the bay.
Every panel the impact reached, plus the checks behind them. Photographed and written up, with a copy filed for your own records.
We take them through the damage with photos, part numbers and a labour breakdown, and we argue the point when the quote will not buy a proper repair.
Grade, lead time and insurer approval settled first, so nothing arrives that you did not agree to and nothing is fitted on an assumption.
The car is checked before it comes back to our bay, and checked again with you standing next to it at handover.
Most accident quotes stop at what shows in the photos, because that is the quick answer and the surveyor already has those pictures. These four get covered on every claim we take, asked for or not.
Each one inspected and photographed, with repair or replace called separately and the reason written beside it. Plastic bumpers get repaired where repairing them is sensible. Steel panels get straightened first, before anyone decides they need replacing, because replacement is the expensive answer to a problem that sometimes did not need it.
Chassis alignment, suspension geometry and fluid leaks, checked whether or not they formed part of your complaint. These are the items that surface once the claim has closed, by which point the insurer has paid out and the bill for the rest lands on you.
OEM, OES, recon and quality used all go on the table with the trade-off spelt out against your car’s age and value, because a sound used panel is sometimes the better call and sometimes only a new original will do. Lead time is confirmed and the insurer has approved it before anything is ordered.
Pre-repair photos of every damaged panel, in-progress photos at each stage of the rebuild, and delivery photos with the VIN and odometer on them. Part receipts stay on file for your warranty record. All of it ties back to your claim number in the service log, which is what you want in hand on the day you sell the car.
The quote comes to you itemised rather than bundled: parts, paint, labour and anything sub-contracted, line by line. What sits on that list is what your accident caused, nothing else. Some workshops pad a claim with unrelated damage they happened to spot while the car was in, and we do not.
Two things give away a cheap accident repair, and neither is hard to spot once you know where to look. The first is alignment. A door gap that widens towards the bottom, a bonnet that needs a shove before it latches, a boot lid sitting proud on one side. Those say the panel went back on before the structure behind it was straightened.
The second is colour. Metallics and pearls shift with the light and with the angle you happen to be standing at, so a panel sprayed to the paint code alone can still read as a different shade by late afternoon. Colour work goes through our partner sprayer, matched to manufacturer spec, and the check happens before the car returns to our bay instead of after you have driven off in it.
Then we walk it with you at handover, before the keys change hands. If something is not right, it goes back in. That is a far easier promise to make when the workshop coordinating the claim is also the one answering for the finish.
Fault decides most of this and your policy decides the rest. Here is the short version of what each route costs you beyond the repair itself.
Not sure which side of that you are on? Send us the photos and the policy document and we will read both before you file anything. What a claim does to your next bill is worked through properly in what actually changes your car insurance premium, which is five minutes well spent before you commit to a route.
The workshop sits on the east side of the island, a short run from Bedok, Eunos, Ubi and Paya Lebar. Send the photos on WhatsApp and we will tell you what the next step looks like.
If anyone is hurt, call SCDF before anything else. Then photograph the damage on both cars and where they came to rest on the road, because those pictures are the whole case later. The claim has to be with your insurer inside 24 hours, and if you have not lodged it yourself yet, that is one of the jobs we take on. If the car will not drive, ring us and we will get a flatbed to you.
It depends on fault and on what your policy covers. Where you were partly or fully at fault and you hold own-damage cover, the claim goes through your own insurer. Where the other driver was clearly at fault, a third-party claim against their insurer is usually the better route. Send us what you have and we will say which one applies to you.
It goes down whenever a claim is made under your own policy, whatever the policy type. Only being found totally not at fault in an accident involving another vehicle leaves it untouched. A third-party claim made against the other driver’s insurer does not touch your discount at all, which is why fault is worth establishing properly before anyone files anything.
Yes. Leave the car with us and give us the claim number, and we meet the surveyor at the workshop, walk them through the damage and hand over the quote. You get a WhatsApp update once it has been signed off.
A minor scratch and dent is normally 2 to 4 working days. A bumper or a door runs 5 to 10 days. Major panel work is 2 to 4 weeks. You get the timeline before the work starts, and a phone call from us if anything moves it.
Most policies let you pick your own. Some are panel-restricted and name a list you have to choose from. Send us the policy document, we will read the relevant clause and tell you plainly which sort you are holding.
That comes down to the policy and the age of the car. Newer cars usually get OEM-equivalent parts approved. Older cars often get OES or recon, and a sound used panel is sometimes genuinely the right answer rather than a compromise. We explain what your policy entitles you to before any work is agreed.
No. Singapore’s competition regulator, the CCCS, has told authorised dealers to drop warranty terms that force you to service only at their own workshops, so accident repair at an independent workshop leaves your manufacturer warranty intact, as long as parts of equivalent quality go on and the work is documented. Both of those are standard here, and the written record is your proof of it. There is more detail in our piece on your servicing rights in Singapore.
If your policy includes a courtesy car, we set it up for you. If it does not, we work with a few rental partners and pass the discount on rather than leaving you to sort it out yourself. Mention it when you book so it is lined up before the car goes in.
In most cases the insurer settles with us direct. For an excess, or for anything sitting outside the claim, we take PayNow, bank transfer or cash. Credit card is the one we do not take, and that is what keeps the pricing clean.
Diminished value is the resale value a car loses because it has been in an accident, even where the repair itself is faultless. Some insurers settle on it. Plenty will not unless they are pushed. We record the condition before, during and after the rebuild, so that if you decide to file for it you are not arguing from memory.
No. This is a four-wheel workshop, so bike claims sit outside what we can do properly. Ask us anyway and we will point you at a bike specialist rather than take the job on and learn on yours.
Dent repair, panel beating and full repaints, colour matched to manufacturer spec.
Learn more →24/7 islandwide towing for breakdowns and accidents. Direct line to a real driver.
Learn more →Insurer comparison and renewal advice. No extra charge to you.
Learn more →Pad and rotor thickness measured in millimetres before anyone mentions parts.
Learn more →Knocking over humps, a floaty ride or uneven tyre wear. Checked on the lift and on a road test.
Learn more →Sensors, relays and ECU faults. We trace them end to end with live data.
Learn more →Buying used? You get the verdict before you commit.
Learn more →End-of-life and export paperwork handled. Best market value for your car.
Learn more →
The workshop-of-choice clause, and who really decides who repairs your car.
What a claim does to your next renewal, and what your NCD is worth holding on to.
Why accident repair at an independent workshop leaves your manufacturer warranty alone.
The conditions sitting behind a lot of these claims, and the checks that keep you out of one.
How the two differ on parts, on the quote, and on who ends up chasing the paperwork.