4. Should the driver arrange to repair the car immediately after a traffic accident? Is the driver required to obtain prior approval from the insurance company for the costs of any repair?

No, the driver should immediately contact the insurance company so that the company can instruct its own surveyor to assess the extent of the damage, the repairs to be done, as well as the costs involved.

After the insurance company (based on the findings of its own surveyor) agrees to proceed, the driver can then have the repairs carried out as agreed.