If I was in a car accident but I wasn't at fault will the other parties insurance pay the exact amout to fix?

Question

OK I am talking to the other parties insurance. The about that they estimated to fix my car was $4300.00. Today the adjuster told me that I need to give them the name of the company that is going to repair my car before she can send me the check. Will the insurance company mail me a check for $4300 dollars no matter how cheap the rapairs are or will they confirm the cost of repairs and then just cut a check to the company. She won't give me a straight answer because she said it was a high dollar amount. So should I just choose a Chevy Dealership or should I price shop and keep the extra? Please let me know.

Answer 1

the ins co is going to go back and negotiate a better price than they gave you and the ins co will send you a check for the new amount. you are than free to get a lower price from some one else

Answer 2

go to the dealer.

if they pay you, you'll get the best price.

if they pay for the repair, you'll get a good job.

if they continue to bargain, you'll start from the high ground.

in fact, you might try 2 different dealers.

Answer 3

if it's the other guys insurance that is taking care of the damage to your car it doesn't matter if you still owe money to a bank or not.. they have to issue the check to you! just tell them you are undecided and you would like the check asap. if it's your company cashing you out the just have to add the lien holder's name on the check. YOU DO NOT HAVE TO HAVE YOUR VEHICLE REPAIRED!!! IT"S YOUR CHOICE!!! but the STILL OWE YOU FOR THE REPAIRS!!! I hope that makes sense

Answer 4

If you own the car (and not making pymts), they HAVE to send the check to you only.  It's your decision to fix or repair your vehicle if you OWN the vehicle.  If the bank owns your vehicle, yes, you have to fix the car and name a repair shop on the check.  

Dealerships usually don't do bodywork, but they should be able to refer you to a shop that does.  

Also, for the time your vehicle is "ACTUALLY in the shop," you are entitled to a rental vehicle of a similar or comparable vehicle to your car, OR a "Loss of Use" fee, usually $20 to $25 day (at least in California), payable to you...so you don't have to rent a car for this fee.  If you have another car to drive, you still should be paid for the "loss of use" of the particular vehicle in the body shop.  

If the insurance company hassles you or is not being fair, check to see if your state has a Department of Insurance.  In California, we have a California Department of Insurance to file complaints against unfair practices by insurance companies.  Check your local directories to see if your state has a Department of Insurance...they should, then file a complaint against that insurance company.

Good luck.