Guides: car body repair and insurance
Clear answers to the most common questions about car body damage and insurance.
What to do after a car accident? Checklist for Switzerland
What you have to do after an accident in Switzerland, step by step: securing the scene, accident report, photos, insurance, choice of repairer.
Hail damage to your car: who pays and what should you do?
In Switzerland, hail damage to a car is generally paid by partial comprehensive cover, less the excess. Reporting deadline, inspection, cash settlement, write-off and choice of repairer explained.
Excess, partial and fully comprehensive cover: explained simply
Which insurance pays for which damage to your car? Third-party liability, partial and fully comprehensive cover compared, plus the excess, no-claims level, bonus protection and the question: claim or pay yourself?
Parking damage: who pays, and what to do after a hit-and-run?
If the person responsible is known, their liability insurer pays. If they are unknown, generally only parking damage cover or fully comprehensive cover pays. What to do straight away after a hit-and-run.
Free choice of repairer: do I have to use the insurer’s partner garage?
In Switzerland you are in principle free to choose your repairer. There are restrictions only if your comprehensive policy includes a partner garage model. What that means and what it costs.
Accident that was not your fault: who pays for the repair and courtesy car?
If the accident was not your fault, the liability insurer of the person responsible pays for the repair and generally for an appropriate replacement vehicle. How to report the claim and protect your rights.