Question: Can I Insist My Car Is Repaired?

Do insurance companies have to fix my car?

The insurance company will require the vehicle to be repaired if you want to continue your comprehensive or collision coverages.

It only makes sense: the insurance company does not want to continue to insure a vehicle for future physical damage if the vehicle has already been damaged and not repaired..

What if the insurance company wants to total my car but I want it fixed?

If your car is declared a total loss but you want to have it repaired anyway, you should be able to retain it. … If you want to keep the car, you should alert your claims adjuster and insurance company right away. You’re then going to have to pay for the repairs yourself. Make sure you think your decision through.

How long can an insurance company take to fix your car?

Here’s the thing, your insurance company has nothing to do with the actual repair of your vehicle. They do, however, have an employee known as an insurance adjuster come out to your chosen body shop to evaluate your vehicle, and approve repairs. This process typically takes 4-5 days.

What happens if car insurance company refuses to pay?

It can make a determination that is binding on the insurer. This means if AFCA decides the insurer has to pay then it has no choice. You don’t have to accept the determination if you don’t want to. If the decision goes against you then you can still go to the Tribunal or Court to pursue your case.

Can you just keep cash from a car insurance payout and not fix your car?

When can I keep the check and not fix my car? If you own your car outright and your insurance policy doesn’t specifically require that the claims check go to your auto body shop, then the money from a claim is yours, and you can basically do whatever you want with it.

Do insurance companies pay you or the Body Shop?

The insurance company may forward to you the rest of the money to pay the body shop. Or the insurance company may pay the shop directly. … Once the shop has been paid, or when the insurance company has confirmed it will pay on your behalf, you can take your vehicle home.

Can you choose where your car is repaired?

You should check your own policy to be sure, but in most car insurance policies, the insurance company reserves a right to decide which repairer they want you to go to. If you are not too concerned either way, there is one main advantage of going with your insurer’s chosen repairer.

What if I damage my own car?

You can make an insurance claim for damage you caused to your own car if you have collision and/or comprehensive coverage. If you have a liability-only car insurance policy, however, damage that you do to your own car won’t be covered. Liability insurance only pays for the other driver’s damages and injuries.

Can I refuse to have my car repaired?

The insurance policy gives the insurance company, not you, the right to decide whether it is cheaper for them to repair or replace the car. So, the short answer is “NO. YOU CAN’T REFUSE THE CAR.” If the car was taken to one of the very few Excellent car repair facilities, you should be okay.