THE ESSENTIALS
Before you start
- Keep the itemised estimate.
- Identify inspection status.
- Confirm accepted work.
Inspection is an identifiable stage
Zurich’s motor claims FAQs treat arranging an inspection as a distinct step. This example helps distinguish assessment of the vehicle from the garage’s estimate. Ask the claims handler to identify the current status and the communication that establishes how the proposed repair should proceed.
Sources: Zurich — Perguntas frequentes, sinistros Automóvel — checked 22 October 2026 ↗
When additional damage appears
Fictional example: a garage estimates a bumper repair and discovers another damaged part during authorised dismantling. Clara asks for the change to be recorded and submitted to the claim. She does not assume acceptance of the first amount automatically includes the second. She retains the answer and clarifies any expense she would bear herself.
Check what the authorisation actually covers
Before instructing the garage, clarify the work, amount, excess and any reservations. If the vehicle cannot be driven safely, seek guidance on suitable storage or transport. Read RMACHADO GROUP’s motor guide to understand how cover, damage assessment and management of repairs relate to each other under your actual insurance contract.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Keep the itemised estimate.
- Identify inspection status.
- Confirm accepted work.
- Record changes and charges.
FROM THE ARTICLE TO YOUR SITUATION
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Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.