Insurance company won’t pay for labor

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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: Nov 24, 2013

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Insurance Question from Largo, FL

Asked on 11/24/2013

Insurance company won’t pay for labor My car was involved in a hit and run in a parking lot. A truck ran over my bumper pushed the fender in and the headlights were ripped out. I fixed the car myself as there was no reason to get an estimate. 2 months later the police found the truck that hit my car. I filed a claim with their insurance company and gave them 2 repair estimates ($1,400). They said since I fix the car myself I am only entitled to the part I purchased $159 and sent me a check for this amount which I will not cash. I worked on this car 5 days and they will not pay me for my labor, paint & supplies. What can I do?

Answer given on March 05, 2014

If your car was damaged due to a hit and run incident, you should let the insurance company handle the repairs to your car. You can choose the place to have the repairs done, but by doing the labor yourself, you are accepting the responsibility that the repairs are done correctly and you accepted the cost of the labor. Since you did not spend any money for the labor, there is nothing to reimburse to you by the insurance company. You can try to get some additional money by explaining that you had to fix the truck and since you did not know who had hit the truck, you were trying to save money. However, the cost of the parts, and the amount of time you spent on the repairs seem to be far apart. A repair facility would probably been able to do the work much faster.Many insurance companies guarantee the repairs for the life of the car if you use an approved repair place. By doing it yourself, you have robbed yourself of that guarantee.A hit and run incident is not chargeable, so your rates would not be affected.

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