Motor Vehicle Repair Claims Average 52.3 Days, July-December 2025

Financial Market Commission

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CMF reports on average repair time for motor vehicles as of the second half of 2025

• The average time from filing the claim until the vehicle was available for pickup by policyholders was 52.3 days between July and December 2025, continuing the downward trend that began in 2023.
• To support users with clear, accessible information, the CMF made available to the public a platform on its website that allows easy comparison of days that a vehicle takes to be repaired. It provides data by insurance company; vehicle brand and model; region where the vehicle is insured; and workshop type. This facilitates a more complete overview of the repair experience. April 15, 2026 - The Financial Market Commission (CMF) reports on the average repair time of motor vehicles as of the second half of 2025. Data is compiled from reports submitted by insurance biannually pursuant to Circular Letter No. 2,236, which regulates the submission of information related to motor vehicle repair procedures.

In June 2023, the Commission launched a platform on its website for users to check and compare repair times for vehicles insured by supervised companies. Detailed data is available about the number of insured vehicles; reported claims; repair times by company; and magnitude of the damage, as well as an updated list of current workshops in the country.

This initiative aims to provide useful, transparent information to policyholders, insurance brokers, and the public to make better decisions when taking out or assessing insurance.

Results

89,084 insured vehicles suffered accidents in the first half of 2025, an increase of 7.72 percent versus the preceding half (82,697 cases). This increase is part of an expanding universe that reached 2.23 million insured vehicles with current coverage as of the end of 2025, an all-time high.

The average time from filing a claim until the vehicle is available for pickup by the policyholder was 52.3 days, which is the best performance in the last four years. Accordingly, the average time between filing a claim and entering the vehicle into a workshop was 29 days, also decreasing compared to said reference period.

Average time from filing the claim until the vehicle is available for pickup by the policyholder (2018-2025)

Blue: Average days between filing the claim and sending the vehicle to a workshop. Green: Days the vehicle spent in the workshop. Dotted Purple: Total average repair time.

Average days in workshops and number of vehicles with filed claims by half (2018-2025)

Blue: Number of vehicles with claims. Green: Average days vehicles spent in workshops.

Repair times by insurance company vary significantly depending on the extent of damage to vehicles, as this table shows.

Average time, by company, elapsed from date of claim until date when vehicle became available to policyholders

| Company | Light Damage | | Medium Damage | | Heavy Damage | | Total | |
| Vehicles w/ Claims | Average Days | Vehicles w/ Claims | Average Days | Vehicles w/ Claims | Average Days | Vehicles w/ Claims | Average Days | |
| BCI | 13,910 | 42.2 | 8,712 | 51.8 | 7,255 | 70.0 | 29,877 | 51.8 |
| HDI G | 11,356 | 46.6 | 6,091 | 56.8 | 5,912 | 69.8 | 23,359 | 55.1 |
| Zurich Chile G | 4,187 | 44.7 | 2,151 | 55.5 | 1,840 | 70.1 | 8,178 | 53.3 |
| Consorcio Nacional | 3,587 | 40.5 | 2,009 | 49.9 | 2,034 | 61.5 | 7,630 | 48.6 |
| Suramericana G | 961 | 40.2 | 1,592 | 45.2 | 2,863 | 55.1 | 5,416 | 49.5 |
| Zenit | 1,893 | 40.8 | 1,073 | 54.3 | 782 | 72.3 | 3,748 | 51.3 |
| Mapfre | 1,535 | 43.1 | 720 | 55.5 | 507 | 67.5 | 2,762 | 50.8 |
| Reale | 1,235 | 41.0 | 539 | 52.2 | 505 | 70.3 | 2,279 | 50.1 |
| FID | 1,106 | 47.1 | 607 | 54.5 | 550 | 65.5 | 2,263 | 53.6 |
| BNP | 824 | 41.2 | 517 | 50.2 | 330 | 62.5 | 1,671 | 48.2 |
| Renta Nacional | 795 | 46.9 | 308 | 54.1 | 226 | 66.6 | 1,329 | 51.9 |
| Porvenir | 238 | 45.8 | 141 | 50.0 | 193 | 55.6 | 572 | 50.1 |
| Total | 41,627 | 43.6 | 24,460 | 53.1 | 22,997 | 67.0 | 89,084 | 52.3 |
There are 4,705 workshops under agreements with supervised insurance companies as of the second half of 2025. 32.71 percent of total workshops are in the Metropolitan Region.

Do note that these workshops are not company-exclusive, so one may have working agreements with multiple insurers. This means that the number of workshops does not necessarily match the number of unique establishments but the number of agreements in force between companies and workshops.

The presence of workshops in regions such as Valparaíso, Biobío, Maule, and Los Lagos shows the service network's territorial reach, although density varies depending on the area.

Repair locations by region

| Region | Repair Locations | % of Total |
| Arica y Parinacota | 45 | 1.0 |
| Tarapacá | 96 | 2.0 |
| Antofagasta | 257 | 5.5 |
| Atacama | 127 | 2.7 |
| Coquimbo | 208 | 4.4 |
| Valparaíso | 489 | 10.4 |
| Metropolitana | 1,539 | 32.7 |
| Libertador Bernardo O'Higgins | 249 | 5.3 |
| Maule | 348 | 7.4 |
| Ñuble | 126 | 2.7 |
| Biobío | 348 | 7.4 |
| La Araucanía | 168 | 3.6 |
| Los Ríos | 115 | 2.4 |
| Los Lagos | 416 | 8.8 |
| Aysén | 56 | 1.2 |
| Magallanes | 116 | 2.5 |
| Total | 4,705 | 100.0 |
The total number of insured vehicles nationwide as of the second half of 2025 is 2,227,842, an increase of over 33,000 versus the preceding half. It is the largest insured universe ever recorded, reflecting a general upward trend in the vehicle insurance market during recent years.

Number of insured vehicles by half (2018-2025)

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