Will Our Insurance Cover Repairs Completed by the At-Fault Driver's Preferred Repair Shop?


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Insurance policies often have coverage options for both underinsured and noninsured individuals that harm the vehicle of the policy holder when they have been purchased as part of the plan. However, if the insured driver does not have these options selected, damage to the car may be entirely paid for by the policy holder if an accident occurs with an underinsured or noninsured vehicle operator.

Coverage options within an insurance plan for a vehicle are either limited in scope for general liability or for full coverage. Additional coverage usually requires the policy holder to buy the plan and then incorporate it into the full or liability policy initially purchased. To ensure that someone with less coverage or that is not insured does not cause untold unrepaired damage, these policies need to be added either separately or as part of full coverage. This will then permit the insured driver to take the car to a pre-approved shop for repairs. However, it is best to contact the insurance company to prevent any complications in the matter.

What is covered is explicitly explained in the policy that has been purchased. However, this usually includes damage to the body or internal workings of the vehicle. There is generally a deductible that must be paid upfront before any other repairs may be possible. The deductible usually depends on the type of accident or damage caused. When an uninsured motorist coverage is added to the policy, even if the other person does not have insurance, the problem may be resolved when the insurance company is contacted about the issue. It is essential to communicate when these problems arise to effect repairs quickly.

Paying for Damages

When a vehicle has been damaged, before seeking repairs through another person, shop or outlet, it is essential to contact the insurance company to determine if the policy will pay for repairs. If a shop has been used without permission from the agency, the individual policy holder may be responsible for all payments to the other shop. Additionally, anything stolen or taken from the vehicle is not covered under the insurance. Unless the company has explicitly explained that a mechanic from any company is permitted to make repairs, the individual usually must take the vehicle to a specific place as specified either in the policy or by the insurance agent contacted.

If the other driver has limited coverage, his or her insurance company may pay for the damages. This may take days or weeks for an approval, and then additional time is needed for the repairs. However, if the other driver has no insurance, it is generally only possible for repairs to be completed without large direct payment when an uninsured driver policy has been purchased. Then, the policy holder may ensure that only the applicable deductible is paid, and all the remaining amount is covered by the insurance agency. However, it is essential to contact the company immediately to follow all necessary procedures.

Repairs Explained

When damage is done to a car, it is essential to unravel any confusion over the process by contacting the insurance agency immediately. Sometimes, it is possible that all repairs may be completed without any additional fees, if the policy holder follows all guidelines and rules. This may be possible for vehicles parked, natural events such as hitting a deer and traffic collisions. However, agencies often work with specific auto shops and repair companies. These locations are where the car must be towed or moved to for the needed changes. The insurance adjuster may pop in to assess the damage to the vehicle, and then he or she may be the contact for ensuring the body and internal work are completed as necessary.

The policy holder must determine if the car is drivable or not. If it is not, the insurance adjuster may issue a check for repairs. This may include monies for towing and completing the needed maintenance. When a check is issued, the policy holder may take the vehicle to any shop he or she wishes in usual circumstances. This is when other persons may be contacted for repairs and recovery of the automobile.

Legal Help with the Vehicle Repairs

If a situation has occurred where the insurance agency refuses to repay or settle the repairs, and the policy is valid, it may be necessary to hire a lawyer. Even the mention of legal services may be enough to intimidate the agency into settling the matter.

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Disclaimer: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer.

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