Quick Answer: What Do You Do If You Are Not Happy With Car Insurance Repair?

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..

Can I sue my mechanic for taking too long?

You would have to go to Small Claims or District Court, depending on the amount of money sued for. You will probably need another mechanic to look at the car and tell you how much it is going to cost to finish it. You would sue the mechanic for the cost to finish minus the $500 you haven’t paid him yet.

Can a mechanic keep an unsafe car?

Paying for repairs The repairer can keep your vehicle until the invoice has been paid (possessory lien). Tip: When a repairer applies a lien the owner can sue them for the return of the vehicle. … The police cannot order the vehicle’s release.

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.

How do I decide to fix or replace my car?

Edmunds offers a simple rule to follow: “If the cost of repairs is greater than either the value of the vehicle or one year’s worth of monthly payments, it’s time for another vehicle.” Remember, though, that repairing an old car is almost always cheaper than buying a new one.

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 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. … However, they may also ask you to fill out a form returning the excess money to their agency.

What do you do if you are not happy with car repairs?

In general, if repair work to your house or vehicle is not done to your satisfaction you may do the following:Request that the insurer fixes the problem.If your insurer refuses to fix the problem, lodge a complaint with your insurer’s Internal Dispute Resolution department.More items…

Can an insurance company force you to fix your car?

Yes they can. Under the insurance contract that they have with their insured person, they have an obligation to their insured person to conduct repairs as soon as reasonably practicable. If you dispute the items that have been repaired or the amount of the invoice, see 1(a) above.

Can I keep the check from the insurance and don’t repair my car?

Your insurer fulfilled their responsibility to you by paying out the claim, and, as long as your policy and your state’s laws allow it, you can keep the money for other uses. If the damage to your car was just cosmetic and you’d rather spend the money for repairs on something else, you might choose to do this.

What should you not say to a mechanic?

20 Things Your Mechanic Is Too Polite To Say Out Loud1 “You REALLY Need to Clean This Car Out”2 “The Lights Are There For A Reason” … 3 “You Waited Too Long To Take It In” … 4 “When You Hear a Funny Noise, Stop” … 5 “Just Because You Know Cars Doesn’t Make You an Expert” … 6 “It’s Not Our Fault the Car Broke Down” … 7 “Never Buy Without an Inspection First” … More items…•