If a claim is filed with an insurance company for vehicle damge, should they wait for the insur co to repair it, or fix it themself & be reimbursed?
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UPDATED: Jan 24, 2013
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Insurance Question from Pullman, WA
Asked on 01/24/2013
If a claim is filed with an insurance company for vehicle damge, should they wait for the insur co to repair it, or fix it themself & be reimbursed? If a claim is filed with an insurance company for vehicle damge, should they wait for the insurance company to repair it, or fix it themself & be reimbursed?
Answer given on January 26, 2013
If you are involved in an auto accident then the insurance company will have an adjuster contact you to arrange an inspection and estimate for the repairs. The insurance company does not actually repair the car, they simply pay for the repairs. After the figure is agreed upon, you can take the car to any repair facility. Have the repair place work with the adjuster for the payment of the repairs. Once that is confirmed then the repairs can begin. Presuming that you have a deductible, you will be responsible for that amount. You will pay it directly to your repair place. The repair place will get the balance from the insurance company. Make sure the place you have chosen agrees with the figures from the insurance company before work begins. That will prevent any surprises at the end of the process.
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