Introduction
Many drivers feel unsure about which workshop to send their car for insurance claims should be sent to after an accident. This confusion often leads to delays, unexpected costs, or even claim issues. Since the choice of workshop can directly affect how smoothly a claim is processed, it is important to understand the difference between panel and non-panel before making a decision to send your car to a workshop.
Eligibility Checklist
Before sending your car for repair, make sure:
- Insurance policy is active
- Accident has been reported within 24 hours
- Police report is available (if required)
- Insurer has been notified
- Claim type is confirmed (own damage or third-party)
Panel vs Non-Approved Workshop
Approved Workshop
Workshop approved by panels:
- Claims are processed directly with the insurer
- Repairs follow insurer guidelines
- Lower risk of claim rejection
- Faster approval in most cases
This is usually the recommended option for smoother claims.
Non-Approved Workshop
Non-panel workshops are not part of the insurer’s network.
- You may need to pay upfront first
- Reimbursement depends on insurer approval
- Risk of partial claim or rejection
- Longer processing time
This option offers more flexibility but comes with higher risk.
When Should You Use a Panel Workshop
Using a panel workshop is generally safer when:
- When making claims for own damage
- Faster approval and less paperwork
- Prefer insurance company to handle directly
- You want to minimise out-of-pocket expenses
In most cases, insurers require panel workshops for smoother claim processing.
When Can You Use a Non-Panel Workshop
There are situations where a non-panel workshop may be used:
- You are willing to manage the claim process yourself
- You understand the risks of reimbursement delays
- The insurer allows it under your policy
However, it is important to confirm with your insurer first.
Common Mistakes Drivers Make
Many claim issues happen due to simple mistakes:
- Sending the car to a workshop before informing the insurer
- Choosing a non-panel workshop without approval
- Not understanding claim type (own damage vs third-party)
- Delaying accident reporting
- Assuming all repair costs will be fully covered
These mistakes can delay or reduce claim payouts.
How It’s Affected (Real-Life Impact)
Choosing the right workshop directly affects:
- Claim approval speed
- Out-of-pocket costs
- Repair quality and process
- Risk of claim rejection or partial payout
A wrong decision at this stage can lead to unnecessary stress and financial loss.
FAQ
1. Is it compulsory to use a panel workshop?
Not always, but insurers strongly recommend it for smoother claims.
2. What happens if a non-panel workshop is used?
You may need to pay upfront and wait for reimbursement, subject to approval.
3. Can a claim be rejected due to workshop choice?
Yes, especially if insurer procedures are not followed.
4. How do I find a panel workshop?
Panel workshops are usually provided by your insurer or platform during the claim process.
5. Can I change workshops after sending my car?
This depends on the situation and insurer approval.
6. Do panel workshops guarantee better repairs?
They follow insurer standards, but quality may still vary depending on the workshop.
Conclusion
When drivers understand which workshop to send their car for insurance claims in Malaysia, they can avoid delays, unexpected costs, and claim complications. By choosing the right workshop and following proper procedures, the claims process becomes smoother and more predictable. In most cases, using a panel workshop provides a safer and more convenient option.
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