Title: Vehicle Damage from Contractors – Claim in Progress with Their Insurance
Hi everyone,
Last year, my vehicle was damaged due to the work of contractors, and I’m currently dealing with their insurance to settle the claim. I’ve informed my own vehicle insurance about the situation, but they are not involved in this claim at all. Also, my vehicle is fully paid off.
I have a question: when the appraiser provides their estimate to the insurance company, can I request a check for the repair costs instead of having them pay the repair shop directly? I’m still undecided about whether I want to go through with the repairs since the damage is only cosmetic.
I appreciate any insights you can offer. Thank you!
You typically can request a check for the estimated cost of repairs instead of having the insurance pay the shop directly, especially since you’re the policyholder and it’s your vehicle. However, whether this is granted can depend on the contractor’s insurance policy and their internal procedures.
It’s a good idea to communicate your intentions clearly to the insurance adjuster handling your claim. Explain that the damage is cosmetic and that you are considering your options. Some insurance companies may prefer to pay the repair shop directly to ensure that the funds are used for repairs, so it’s important to clarify this upfront.
Make sure to keep all documentation related to the claim and check in with the insurance adjuster for any specific requirements or procedures they might have. Good luck!