difference between workshop repair and agency

In our article today, we will discuss the difference between workshop repair and agency repair, but before we get into the heart of the matter, we will ask you a question: From your point of view, when a breakdown or problem occurs in the car, do you prefer workshop or agency maintenance? You can answer after reading the article, because we will learn about comprehensive insurance and the difference between workshop or agency maintenance. full insurance It is a program approved by the Sharia Board, which provides comprehensive insurance for the vehicle and its accessories It consists of two parts: The first part: relates to damages related to the vehicle itself, the driver of the vehicle, and the other passengers. The second part: related to covering the liability of the insured towards others, such as (accident), as the insurance covers all the damages that occurred to you as a result of the accident. Example: Suppose that Muhammad wanted to buy a car, and in order for the car to become his property, he must insure it, in order for the purchase process to be completed and the car to become his property. Note: There is another type of insurance called compulsory insurance. Fundamental rights of the insurance owner Because you are the owner of an insurance policy for your car, whether your insurance is against third parties or comprehensive, you have 8 legal rights that you must know, which are: Choosing a repair shop: You have the right to choose the workshop, provided that the value of the repair costs does not exceed the repair value estimated by the insurance company. Cash compensation: You have the right to choose between the company repairing the vehicle or compensation with a cash amount. Refusal to receive the vehicle: You have the right to refuse to receive the car if the company does not repair it as required. Commitment to the rate of consumption: All companies must abide by the application of the depreciation percentage found in the unified policy for vehicles, and if the insurance is in violation of the policy, it is invalid. Compensation for total loss: You have the right to request monetary compensation, if the repair company makes modifications to the car or the chassis, and it does not need that. Write off the car: The car is written off and its value is as agreed upon between the owner and the company, if it is proven that its costs exceed (50%) of its value before the accident. Alternate vehicle: The affected person shall be compensated for the cost of providing the replacement car, during the period of repairing the car, for a maximum period of 10 days. Re-acceptance of insurance: Insurance companies may not refuse to cover any insurance, but they have the right to raise prices on rental offices due to the high risks. Workshop maintenance or agency maintenance In the previous paragraph, we mentioned comprehensive insurance, its definition and benefits for you. Now we will mention the difference between workshop or agency maintenance: Agency maintenance: It is a maintenance of the insured car due to a traffic accident or otherwise, as agreed upon, and the repair is in the agency’s center affiliated with the car. As for the spare parts in the agency, they are original and guaranteed, but their cost is higher than in the workshops. Workshop maintenance: It is the maintenance of the insured car due to a traffic accident or otherwise, according to what is agreed upon, and the repair is in the workshops approved by the insurance. As for spare parts, they are either original or used, according to the owner's request, and their cost is less than the agency. In order to save you the trouble of thinking and making a decision to choose, we will mention some tips for you, namely: If you own a new or sports car with modern technologies, you must have comprehensive insurance and choose agency repair without any doubt. However, if your car is more than 5 years old, or it is new with simple techniques, and you can repair it outside the agency, then it is preferable to choose maintenance in one of the approved insurance workshops. Online car insurance You can insure your car online and compare car insurance prices in saudi arabia companies to save you effort and time, through the Gonsure platform; It is an electronic platform owned by Damin Insurance Brokerage Company and licensed by the Central Bank in Saudi Arabia. In conclusion, to benefit and learn more information about the method of purchasing comprehensive insurance and third party insurance, we recommend that you read the following article: Buying an insurance policy online