Car was hit, got a quote for repairs from the ins co preferred shop, do i have to have my car repaired there or can i do the repairs myself?

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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: Dec 7, 2011

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Insurance Question from Hollister, CA

Asked on 12/07/2011

Car was hit, got a quote for repairs from the ins co preferred shop, do i have to have my car repaired there or can i do the repairs myself? car was hit , other driver was found 100% at fault, got a repair quote from approved shop, working on restoring the vehicle and want to do the repairs myself... Can the insurance company require me to use the shop? or pay me the dollar amount quoted and let me do them myself?

Answer given on December 08, 2011

You do not have to have your car repair at the approved shop. You can advise the insurance company that you would like to have the car repair yourself.  They may ask you for another estimate and then pay you the lesser of the two.  But there is nothing to say that you even have to have the repairs done at all.  They may have you sign a final property damage release form however stating that you have been paid out for the damage.   

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