Insurance company of at fault driver gives low estimate and says i can take a check for that estimate or go to one of their repair shop, do i have to?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 18, 2016

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Insurance Question from Phoenix, AZ

Asked on 01/18/2016

Insurance company of at fault driver gives low estimate and says i can take a check for that estimate or go to one of their repair shop, do i have to? They give a low estimate way low then to reputable collision centers and say either take a check for their estimate or go to their repair shops , i dont want to go to their repair shops but the estimate is too low what can i do please help

Answer given on January 20, 2016

If your car was struck by another driver, their insurance company must pay for the damages to your car.Many auto insurance companies have a working arrangement with different body shops. They cannot force you to go to their chosen body shop but if their shop is willing to make the repairs for the lower amount, they can refuse to pay the higher amount. Often times, the contracts with the body shop includes a guarantee of proper repairs for a certain time period. If this is the case for your damages, you may want to reconsider using that shop.If you still want to go elsewhere, get a written estimate from your chosen body shop and compare it to the estimate from the insurance company. Maybe there is a difference in what is thought to be needed to fix your car and you can argue due to that difference.A final option is to go through your insurance company and see if they will come up with a similar estimate to yours or the other insurance company.


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