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Dubbo Car Insurance Repairs
Dealing with car insurance repairs after an accident can be a headache — but it doesn’t have to be. At M & D Shipp Smash Repairs, we help take the stress out of the process by working directly with your insurer and handling the entire repair from start to finish.
Located in Dubbo, we’re trusted by major providers like NRMA, AAMI, Allianz and Vero, and we’re licensed, so you can be confident your vehicle is in safe, qualified hands. Whether you’ve had a fender bender or a major collision, we’ll get your vehicle assessed, approved and back on the road without unnecessary delays.
We know the insurance process inside out — and we’re here to make it simple.
Call 02 6885 1755 and let us take care of the repair side, so you can focus on getting life back to normal.
Insurance Repairs That Put You First
From the moment your claim is lodged, we get to work. We’ll assess the damage, liaise with your insurance company and provide detailed quotes to speed up approvals.
Our experienced team handles everything from bodywork and spray painting to fibreglass and rust repairs, with a strong focus on safety and detail. No shortcuts, no confusion — just honest communication and high-quality work.
Whether you're dealing with a small scratch or full panel replacement, our job is to make sure your vehicle looks and performs like it should. And because we’re local, you’ll always know who to speak to if you have questions along the way.
Need a repairer who puts your needs first, not your insurer’s? Give us a call on 02 6885 1755 and we’ll guide you through the process step by step.
Frequently Asked Questions
Can I choose my own repairer for an insurance claim?
In most cases, yes — you can absolutely choose your own repairer. While insurers often recommend a preferred repairer from their network, you're not locked into that option unless your policy specifically states otherwise. Choosing your own licensed, qualified smash repairer gives you more control over the quality of the work and the customer service you receive. Many people prefer to work with local repairers they trust, especially for better communication and accountability. If you’re unsure, check your Product Disclosure Statement (PDS) or give your insurer a call — but most allow you to nominate your own repairer without penalty.
What should I do if I need repairs but I haven’t made an insurance claim yet?
If your car’s been damaged and you’re planning to go through insurance, don’t wait too long to get started. First, make sure you lodge a claim with your insurer and receive a claim number — you’ll usually need this before any repairer can begin work. Once that’s done, your repairer can prepare a quote and submit it to the insurer for approval. Some repairers — like us — can even help you through the paperwork and talk to the insurer directly on your behalf. The sooner you get the process underway, the faster your vehicle can be assessed, approved and repaired.
Will using my insurance affect my premium or excess?
Using your insurance for a repair may affect your future premiums, but it depends on the circumstances of the accident. If you were at fault, it’s likely your premium will go up at renewal. If the accident wasn’t your fault — and the other driver is clearly identified — some insurers won’t increase your premium. However, you’ll still need to pay your excess up front in most cases, unless your policy waives it for not-at-fault claims. Always speak with your insurer to clarify your specific policy details before committing to a repair — it could save you from surprises later.
