I was hit by an uninsured driver. I'm with NRMA fully insured. Rang them up they gave me a claim number then from memory they contact me and gave me a choice of panel beater. I also got a hire car. Made the appointment with their approved repairer and my car was fixed in 2 weeks. Couldn't fault the process. I really freaked out when the guy didn't have insurance and thought I was going to have all sorts of problems but they took care of it all. I was actually thinking of getting cheaper insurance before this happened so glad I didn't.