Can I refuse an insurance repair?
‘ Section 758.5 of the California Insurance Code, however, prohibits auto insurance companies from forcing or requiring customers to have their vehicles repaired at a specific facility, as the state law considers it an ‘inherently unfair practice. ‘
Can an insurance company force you to fix the car?
An insurance company cannot require that your vehicle be repaired at a specific repair shop. However, an insurance company can recommend that the damage be estimated and repaired at a specific repair shop.
Can I choose not to repair my car?
Under the California Insurance Code, a consumer is not required to have repairs done at any insurance company recommended automobile repair shop. … (1) You have the right to choose where you take your car for automobile repairs.
Can I repair my car myself after an accident?
In simple terms; yes, you can repair your own car should you wish. It does, of course, depend on the type of insurance cover you have; collision or comprehensive, as you’ll have a maximum cover cost to claim that would have been originally made clear to you when you took out your policy.
Can I insist on having my car repaired?
No matter what some might say, you have freedom of choice when it comes to selecting a Vehicle body repair facility. Below is your “Consumer Rights” regarding Vehicle repair: You have the right to choose the repair shop you want to use. You’re entitled to have your vehicle repaired to its pre-accident condition.
What if I don’t want my car 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. It then will be up to you to arrange to make repairs.
What happens if my car is totaled and it’s not my fault?
Assuming you’re covered, your insurer will send a payment to your lender for the actual cash value of the car, minus any deductible. … If your car is totaled and you still owe on it but the accident was not your fault, contact the at-fault driver’s insurance company with your lender information.
Who gets the insurance check when a car is totaled?
If you’re financing a car that’s been totaled, your insurance company will likely make the claim check payable to both you and your lender, which means you’ll have to come to an agreement with your lender on how to release that money, the Insurance Information Institute (III) says.
What if insurance pays more than repairs?
If the insurance check is more than the repairs, you should not just keep the money. If the insurance company realizes their error without you notifying them, they may accuse you of insurance fraud. It is best to err on the side of caution rather than face criminal charges.
How long does an insurance company have to investigate a claim?
In general, the insurer must complete an investigation within 30 days of receiving your claim. If they cannot complete their investigation within 30 days, they will need to explain in writing why they need more time.
What can you do if your car is not worth fixing?
If you’re trying to decide whether to repair or replace your car and decide on replacing it, you can sell a car not worth repairing in any of the following places: Junkyards and scrap yards. To a private individual. To a dealership.
Can I repair car before insurance claim?
In most cases, you should be able to do what you want with the insurance payout. That includes having your car fixed at a shop, fixing it yourself, or not fixing it at all. This may not be true all the time, though. You need to read your policy carefully.
Does a car lose value after an accident?
Your vehicle will first lose value immediately after an accident and before any repairs are done. If you fail to make repairs or the repairs are low quality, your vehicle’s value will also suffer. … Despite the repairs, the vehicle’s market value has decreased simply because it was damaged in an accident.