03/06/2026
On this week’s Klear Conversations…
You’ve had an accident.
Do you repair privately or go through insurance?
The answer isn’t always straightforward.
If the damage is relatively minor and both parties agree, repairing privately can sometimes avoid increased premiums, excess payments, long claim processes and unnecessary stress.
But if liability isn’t clear, costs are adding up, or the situation becomes more complicated—it may make more sense to let insurance handle it.
Every accident is different.
Before making a decision, understand your options first.
Drop a comment — would you go through insurance or would you rather settle outside?