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Practical guidance for South African drivers on handling repairs after an accident without insurance: quotes, legal steps, cost examples (R), and when to sell.
Get multiple quotes and a mechanical inspection before committing to repairs.
Keep police reports, invoices and settle any outstanding finance before transfer.
Selling can be quicker than costly repairs - some buyers handle towing and deregistration.
If you’ve been in an accident and don’t have insurance, deciding what to do next can feel overwhelming. This guide explains how to assess damage, estimate repair costs in the South African context, understand legal and paperwork requirements, and weigh repair versus sell options. Wherever you are - Johannesburg, Cape Town, Durban or smaller towns - these steps help you make an informed, practical decision.
Note: In South Africa, minor collisions may not require a police case, but you should check local requirements and keep a written record and photos-useful for any later disputes.
Start with several independent repair quotes from reputable panelbeaters or workshops rather than a single estimate. Ask for an itemised quote (parts, labour, paint, alignment) and estimated lead time. Where structural, airbag or chassis damage is suspected, include a mechanical inspection by a qualified technician. For non-runners, request a tow and on-site assessment.
| Repair cost vs value retained (illustrative) | Typical repair cost (R, estimate) | Typical retained value after repair |
|---|---|---|
| Minor panel & paint (bumper, door) | R3,000 - R12,000 | ~95% of pre-accident market value |
| Moderate (suspension, radiator, airbag repairs) | R12,000 - R60,000 | ~75-90% of pre-accident market value |
| Severe / structural & chassis | R60,000+ | Often significantly below pre-accident value |
Figures above are illustrative estimates for South Africa in R (ZAR) and will vary by make, model and region. For example, labour rates and parts costs can be higher in Cape Town and Johannesburg than in smaller towns.
Key considerations include repair cost relative to the car’s market value, the severity of structural damage, safety implications, and how long you plan to keep the vehicle. If repair cost is a large percentage of market value or the car has irreparable structural damage, selling or salvaging may be the safer financial choice.
If the vehicle becomes non-running after the accident, you can read practical options on our Sell Non-Running Car page for alternatives to costly repairs.
| Damage type | Repair complexity | Typical impact on value |
|---|---|---|
| Superficial panel/paint | Low | Minimal |
| Mechanical (engine/transmission) | Medium-High | Moderate to significant |
| Chassis/structural | High | Often large reduction |
| Flood / fire | High - specialised | Large reduction or total loss |
If you decide not to repair, you can explore selling options for damaged vehicles, including services that buy any-condition cars. For more on selling damaged cars in South Africa see the Sell Damaged Cars page.
When you fund repairs directly, expect to manage quotes, parts sourcing and payment yourself. Choose workshops that provide warranties on workmanship and clearly itemised invoices. For safety-critical repairs (brakes, steering, airbags), insist on certified parts and documented quality checks.
If repair costs escalate beyond practical value, selling may be the better route - consider national services that offer free towing and handle paperwork, which can simplify the exit from a costly repair cycle. Learn more about our process on the How it works page for a clear comparison of repair versus sell options.
Even without insurance, some administrative steps are important:
If you prefer to avoid repair logistics entirely, the home page outlines services that purchase damaged, non-running and written-off vehicles and assist with deregistration and collection nationwide.
After repairs: confirm that safety systems are tested and that the workshop provides written confirmation of roadworthiness. Keep all paperwork and update your vehicle logbook where relevant.
After selling: ensure a signed transfer of ownership form is lodged with the licensing authority. If selling to a specialist buyer, verify what paperwork they will handle (e.g., deregistration) and retain copies for your records.
Example 1: A Cape Town commuter with a minor bumper collision receives two quotes: R4,500 and R6,800. Accepting the lower reputable quote and keeping invoices maintains resale credibility. Example 2: A Johannesburg owner discovers chassis damage with estimated repairs of R85,000 on a vehicle worth R120,000. After specialist advice, they decide to sell to a buyer who collects the vehicle and handles deregistration.
If you’re weighing repair costs, paperwork obligations or the option to sell a damaged or non-running car, use multiple reputable quotes, document everything and follow legal requirements for transfer or deregistration. For a clear alternative to self-managing repairs, consider options that buy damaged cars and include collection and paperwork handling.
Need a tow? We got you
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Seasoned automotive specialists dedicated to helping you turn your damaged or non-running vehicle into cash fast and hassle-free.
Disclaimer: This content is for educational purposes only. Product availability, pricing, and specifications are subject to change. Always verify current details on the retailer's website before making a purchase. We may earn affiliate commissions from qualifying purchases.
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Verified customerThe process was quick and easy. I felt comfortable that I was dealing with an above board business. They tend to communicate almost exclusively with W...
The deal was streit forward. From tshidi mashangoane
Verified customerDealt with a lady by the name of Tshidi. She was great from the onset. Process was done via WhatsApp and her responses were always on time. I apprecia...
Aneese was amazing. He responds in no time and never keeps you waiting. He was willing to go the extra mile for us. I’d recommend Sell Your Damaged Ca...
Everything that was said,happen exactly like that.
Verified customerI dealt with a guy called John. I sold my bakie that was a write off. He got me the best quote possible went extremely fast without a lot of Hassel. ...
I would like to thank Mr. Anees Mayet for his professional manner in which we successfully conducted business. It is a quick and hassle free way to se...
Confirmation Message *Business Name:* Sell Your Damaged Car *Review:* The consultant was as responsive as could be and very helpful, even helping v...
Super easy, Johan explained everything that he needed from me. Collection was on time and very efficient. Payment once confirmed was on time . Thank y...
Very easy and fast,no hassle
Verified customerJohan was very professional and the service was amazing.
Verified customerTshidi Mashangaone she explained everything that I wanted to know about your sell your damaged car and we managed to make a deal that didn't even too...
Johan made the process seamless and easy and conducted the transaction professionally- Thank you! It might be worth considering real-time payments to ...
I dealt with a Gentleman called Cleavon and I am amazed at his service, as a service man myself I could believe his patience when I had to wait for my...
Worked with a buyer called Joshua who was extremely professional and helpful. The process of selling my damaged vehicle was quick and painless. Very h...
Excellent and professional service, within a day after processing documentations the vehicle was collected. The next day, the money was in my bank acc...
Their service was excellent. Abdul did a great job. We are very happy with everything
Verified customerIt was quick and painless, Anees was very professional, great service.
Verified customerAwesome service, reliable, friendly and quick payment
Verified customerFriendly and quick
Verified customerCleavon was a very friendly and expedient consultant. The sale process was very swift and the car was collected the same day. Cleavon was happy to of...
Johan was really professional dealing with me.Always responded either by phone or WhatsApp. To my questions.Thank you Johan for upholding the culture ...
I loaded all the information. Got a quick and professional response. The whole deal was handled in three days.
Verified customerVery helpful and patient people to deal with. They even sent a towing truck to collect our non runner vehicle that they purchased. Was the only compan...
I got prompt and professional service. From initial consultation to final collection and payment.
Verified customerGood day, it was a hassle free transaction with friendly staff who assisted with no effort.
Verified customerAfter completion of information online, the sales consultant was very helpful to kick start the process which lasted only a day and the second one was...
I dealt with Josh and he was very helpful, definitely going the extra mile. He also did a great job keeping me informed every step of the process.
Verified customerI have sent a request to Sell Your Damaged Car and they reply in no time. I was contact by Tshidi.. She was very professional in helping me. I have s...
Tshidi was very helpful and I enjoyed the experience
Verified customerIts easy trustworthy process
Verified customerI was assisted by Cleavan Schubart at Auction Nation to sell my vehicle. Man, what an excellent service and customer experience I got!! Just to name a...
Very quick and very professional.
Verified customerI was assisted by ubdull cool and always willing to assist and helpful.
Verified customerThe sale of my damaged car took about 3 days, and the money was in my account in less than 24hours after the car was taken. I'm happy with the servi...
They so fast and absolutely give you the great feedback of the vehicle ??
Verified customerThe process was smooth and quick. Joshua gave me great service and kept me in the loop throughout. To top it off, funds reflected even sooner than exp...
Ek het my 2011 Kia Cerato met ongeluk skade aan Hulle verkoop. Die span het my die hele tyd op datum gehou van wat gebeur wanneer! Beste diens ooit!
Verified customerI was assisted by the lady Tshidi Mashangaone to sell my Damaged Nissan NP200, the service was excellent, the Agent was friendly,helpful, and fast.. ...
All I can say is Tshidi gave us the best customer experience throughout the entire experience!!!! Both hubby and I got assisted by her with our car.
Verified customerExcellent service from Johan Bouwer. From start to finish kept me up to date regarding the transaction
Verified customerWas very pleased with the service
Verified customerI love the quick service. The payment took a while but I was always assured by Joshua. I can easily recommend your services. Thanks
Verified customerWe recently used their services to get rid of a vehicle with engine faults, the team guided us through the process. I being suspicious of all transact...
Very kind lady who assisted me. Quick, easy to understand and very friendly. Will recommend her to anyone who wants yo sell their damaged cars.
Verified customerThe service I received from sell your damaged car was excellent.I recently sold my vehicle to sell your damaged car thanks to Cleavan for his excelle...
The lady I dealt with, Tshidi, was very patient with me as I had no idea how this process worked. She also answered my messages within a few minutes. ...
Sold a non-runner to SYDC. Was concerned about the 24-48hrs payment delay after they tow the car away but Joshua Murray explained the process and I wa...
I just to thank Auction Nation for the great service they have rendered to me.I have been keeping my damaged car for about a year after tragedy accide...
Very efficient, professional and friendly service
Verified customerI had to get rid of my s**** car .joshua was more than helpfull to help .he made the process easy and smooth no problems or issues . Big shout to josh...
Everything was settled hassle-free and with assistance where needed. Thank you Joshua for excellent service, I will definitely recommend you to my fam...
The entire process from first contact to payment took 5 days. Very efficient.
Verified customerBaie goeie diens ontvang van Alicia, van begin tot einde. Geld oorbetaal soos belowe. Dankie.
Verified customerI was assisted by Tshidi, nice lady and very efficient. We did a great deal
Verified customerI really appreciated how Tshidi Mashangoane used check-ins to keep me up to date on the project of selling. It helped me consider our offer, and I’m e...
I sold my gamaged merc 230d monatic. The process was super and the payment i received in less than 3 days. They are straight forwad and keep their p...
I sold 2 damaged cars to Sell Your Damaged Car in January and March 2023 and received excellent service from Tshidi Mashangoane. She explained the pr...
I was assisted by Johan who was excellent and assisted me very well in service me when I was selling my car
Verified customerMy first dealing with these guys and I was impressed with their service and attitude. They bought my s**** car and paid me as promised and came to col...
I got exceptional service from Tshidi Mashangoane. The damaged car was fetched the same I accepted the offer. Thank you Tshidi
Verified customerThank you, Auction Nation, for handling my sale transaction quickly and professionally. Shout out to Faith Mauchaza for walking me through the whole p...
It has been a pleasure dealing with Tshidi Mashangoane . Very professional , friendly and helpful. Tshidi guided me through the whole process from sta...
I had an old damaged car that I wanted to get rid of. I interacted with Abdala who was quite professional and extremely patient. The quote seemed pret...
I received excellent customer service from Alicia the Sales Consultant. She guided me through the process, provided me with all the requirements and ...
After filling in their online form, I got a response on whatsapp within minutes with a consultant who stuck with me from start to end. Abdul was very ...
The whole experience of selling my car was so easy and efficient. I highly recommend.
Verified customerDealt with Tshidi who was very efficient,prompt to respond to my questions and always courteous.All time frames set were achieved and in some cases so...
Did what they said they would do. Josh was very good. Happy all round.
Verified customerI was not sure if this would work, but Alicia walked me through every step of the way. Alicia made the whole process of agreeing a price, doing the pa...
I dealt with Alicia from Sell your damaged car. What a superstar. From the start to the finish, she was on top of her game. Her requests were clear an...
I've driven my 2005 Porsche Boxster for eight happy years. But about three years ago the second gear wouldn't engage so I changed from 1st to 3rd with...
<div>I had the privilege of dealing with Alicia Coetzer at Auction Nation. What an experience; I am 72 years old and have had he car for 11 years. The...
I contacted them via their website and within shortly thereafter the instructions were sent via Whatsapp. Both vehicles were sorted out quickly and ef...
Shout out to Alicia from Auction Nation for a great service!!!!!!!!!!!!!!
Verified customerExcellent assistance by Alicia.
Verified customer
