is the at faults insurance responsible for repairs even if is a shop not approved by them?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Aug 31, 2010
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Citrus Heights, CA
Asked on 08/31/2010
is the at faults insurance responsible for repairs even if is a shop not approved by them? my girlfriend was in a non injury accident and the other guy was at fault. she took the car to a repair shop and when she got it back the car is in bad shape. she called the guys insurance and they said take it to another shop. the new shop looked at it and said that they wouldn't touch it because it was in such poor shape. the insurance is now saying that they wont pay to fix it because the first shop wasn't approved by their company. can they do that and what can we do legally?
Answer given on September 04, 2010
In California you are allowed to take your car to any shop you choose. However, most insurance companies have “preferred” shops that agree to certain costs for repair. By taking your car to a preferred shop your repairs are usually guaranteed and settlement is easier.
Your girlfriend should have been advised of her choice. Presuming she was, she accepted the fact the repairs and out of pocket costs could be affected. If the car was not acceptable to her, she should not have accepted the car from the shop, instead insisting that they properly repair the car.
If the damages were poorly repaired, it is not necessarily the responsibility of the insurance company to make good on them, since your girlfriend chose the repair shop. She needs to go back to the repair shop and have them make the repairs to her satisfaction. Her insurance agent may be able to assist her with the shop and asking that they go back and fix the car. However, if the shop refuses, then she may have to seek legal action against that shop.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.