Question: Can I Insist On Having My Car Repaired?

What happens if the mechanic doesn’t fix?

Call the first repair shop, explain that you still have the problem, and ask them to fix it properly.

Get a written estimate.

Talk directly to the mechanic to be clear about the original problem and what is still happening..

Does a repaired car lose value?

At any stage, the car depreciation rate is about 10 to 25 percent more than the normal rate. Factors include the vehicle’s age and post-accident condition. Cars that have been fully repaired will have less depreciation and cars with more extensive repairs or incomplete repairs will see higher depreciation rates.

How do you respond to a low settlement offer?

How to Respond to a Low Settlement OfferRemain Polite. Stay polite and professional when negotiating with an insurance claims adjuster, even if you believe he or she is trying to take advantage of you or is using bad faith tactics. … Ask Questions. … Present the Facts. … Respond in Writing. … Do Not Fall for Common Insurance Tactics.

Can you argue a total loss?

If you disagree with the insurance company’s estimation of your car’s fair market value or replacement cost after a total loss, you can dispute it and try to negotiate a higher payout. However, it is difficult to negotiate with the insurance company, as without substantial evidence, it is unlikely to budge.

Does the insurance company 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.

Can I refuse an insurance repair?

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.

How do I get the most money from my car insurance claim?

Here is how to get the most money from a car accident.Remain at the Scene of the Accident. … Gather Information at the Scene. … Obtain Witness Information. … Seek Medical Treatment. … Report the Accident to Your Insurance Carrier. … Keep All of Your Bills. … Keep a Record of Your Injuries and Recovery. … Keep Going to Your Doctor.More items…•

Is it illegal to profit from an insurance claim?

No, insurance rules do not allow you to make a profit from a loss. You will be paid only for the loss incurred. The insurer will not pay as you have already recovered your losses. Had you filed a claim, the insurer may have exercised its subrogation rights to recover money from the airline.

What happens if you don’t agree with a total loss adjuster?

If the adjuster tries to low-ball you, tell the adjuster that you do not agree with his valuation, but ask the adjuster to send you the undisputed amount (the amount offered).

Can an insurance company tell you where to get your car fixed?

An insurance company cannot tell you which auto body shop to use when your car needs a repair after a car accident. They can recommend you take your car to various shops. However, they cannot fail to pay for the repairs just because they are done at a shop that they did not recommend.

Is it better to have a car totaled or repaired?

Most insurance companies will want to consider the car “totaled” if the repair cost approaches the value of the car. For instance, it would not make sense to pay $8,000 to repair a car that is only worth $6,000. However, many cases are not that simple.

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.

What happens if you don’t use insurance money for repairs?

The insurance company has met its obligation by paying the repair costs for the damages that it found. Your car insurance company shouldn’t take the money back or consider it fraud if you don’t use the insurance money to repair the vehicle.

Can I settle car damage without insurance?

If you’ve experienced a minor bump with another driver, you may be tempted to settle the costs privately without getting the insurance providers involved. … Drivers must have valid insurance which covers you in the event of damage or injury.

Should I accept first offer from insurance company for car?

Do not automatically accept the first settlement offer – it is rarely a fair one. After a car accident, most people need money to get their vehicle repaired or to pay medical bills. Insurance companies know that car accident victims are vulnerable and almost always offer a lowball settlement right away.

Should I accept first offer of compensation?

Should I accept the first compensation offer? Unless you have taken independent legal advice on the whole value of your claim, you should not accept a first offer from an insurance company.

Can I choose who repairs my car?

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.

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

one to two weeksIf you use a repair garage that is affiliated with (or at least approved by) your insurance company, the process can speed up a bit. The easiest cases will take between one to two weeks to resolve. More complex ones can take weeks or longer, including scheduling delays and the time your car is in the shop.

Can you keep your car if it is a total loss?

Can you keep your car if it’s totaled? If you decide to accept the insurer’s decision to total your car but you still want to keep it, your insurer will pay you the cash value of the vehicle, minus any deductible that is due and the amount your car could have been sold for at a salvage yard.

What if insurance check is more than repairs?

If your insurance company sends you a check for reimbursement that is more than the cost of your repairs, you should notify your insurance company of their error. … If the insurance check is more than the repairs, you should not just keep the money.

Can you get insurance on a car that’s been totaled?

Can I insure a car that was totaled? You can insure a rebuilt vehicle, but obtaining full coverage car insurance can be difficult, if not impossible. “Companies that write car insurance policies for a vehicle with a rebuilt title tend to offer liability only,” says Gusner.

Does insurance pay or body shop?

Many car insurance companies encourage their customers to work with one of their preferred or “Direct Referral Program” auto body repair shops. You can usually choose whichever repair shop you like, but if you go with a preferred shop, your insurance company will likely pay the repair shop directly.

How much will I get from insurance if my car is totaled?

Depending on the amount of damage done to your vehicle, it’s likely going to be closer to the 20 percent range, according to CarBrain. This gives you an idea of what your totaled vehicle is worth. Although, you should keep in mind that there’s no clear-cut method for determining the value of your totaled vehicle.

Will Geico pay me or the Body Shop?

Covering the Costs It’s the $64,000 question. “When do I get my money?” GEICO will usually deliver a check to you as soon as possible after the accident investigation is complete. It will cover the repairs to your car, minus any deductible amount.

When a car is totaled who gets the check?

Your insurer will determine whether the vehicle is a total loss, based on repair costs. Your insurer will issue payment for the actual cash value of the totaled vehicle, minus your deductible on your comprehensive or collision coverage.

How do you negotiate with insurance on a totaled car?

Summary: How to negotiate the best settlement for your totaled carKnow what you are selling to your car insurance company.Prepare your counter offer.Determine the comparables (comps) in the area.Obtain a written settlement offer from the auto insurance company.Make your counter offer for your totaled car.

Do I have to accept the insurers offer on a totaled vehicle?

Remember, the insurer can’t take ownership of your car until you accept the settlement figure, so don’t agree to a price you’re not happy with. … If you don’t think the insurer’s offer is a realistic reflection of the car’s value, contact the firm and use the evidence to back up your claim.