What to do if your car is not repaired by insurance company?

It’s a standard procedure for the insurance company to require you to drop physical damage coverage from a vehicle that was not repaired. Proof of the repair is usually handled by making a claim check out to both you and the body shop doing the repairs. Photos and receipts can also serve as proof of repairs if you want to keep your coverage.

Do you have to get your car repaired if you have a loan?

If you have a loan on your vehicle, it means you should get the car repaired. Again, your car insurance company may assign or need to pre-approve the mechanic. Your lender will want their collateral—the car—to be fully working and want you to repair any damages.

When to add physical damage to your car?

You have invested a lot of money, time, and care for your vehicle. If you really need the cash, you can always have the repairs done at a later date. Just let your insurance agent know when the work is complete if you want to add physical damage coverage back onto the vehicle. California Department of Insurance.

Can a car be repaired after a second accident?

A second accident would obviously compound the existing damage and the insurance company already paid you once for the pre-existing damage. 4 It is standard procedure for the insurance company to require you to drop physical damage coverage from a vehicle which was not repaired.

Can a car be repaired by an insurance company?

An estimate has been made and the insurer suggests a local reputable shop to do the work. The plan is for the shop to repair your car and the insurance company to pay them directly for the job.

Who is responsible for repairs after a car accident?

And keep in mind that whichever insurance company ends up bearing financial responsibility for the vehicle damage portion of your car accident losses, that insurer will only pay for repairs/replacement of your vehicle up to policy limits.

Can a car repair go to the repair shop?

That really depends on whether or not you fully own your vehicle or not. If you don’t completely own your car, then the answer to this question will most likely be no: money rewarded for repairs will go directly to your repair shop.

How is car repair insurance similar to extended warranty?

Car repair insurance is similar to an extended car warranty, because it pays to repair or replace certain systems after the car’s initial warranty ends. Car repair coverage also fills gaps in your car insurance coverage. Most of the time, vehicle repairs are unrelated to accidents altogether.