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Yes, they can. But if you can get it repaired cheaper, you can buy it back for the salvage value and have it repaired. I have done this, even convincing the adjuster to lower the salvage value a hundred dollars and the body shop to shave a few dollars off the repairs.

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โˆ™ 2006-04-02 05:00:54
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Q: Can your insurance company total your car even if you got a lower estimate to fix it than their adujusters gave?
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Does the breakdown assistance program lower my insurance premium?

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How long can an insurance company take to claim responsibility?

Hi there, They gave you an opportunity to give them your insurance information and you declined. If the insurance company wrote the estimate it is lower than any shop would write. (Why would they write an inflated estimate? To pay more?) They have as long as the property damage statute of limitations is in your state, probably at least 2 years or more. Save yourself some time and money, either pay them out of pocket or turn it in to your insurance company. My guess is that the file is on the way to their attorney office at this moment. Better make plans for when the summons arrives. Regards, Brett

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What is a good insurance company to sign up a teen driver in Illinois with?

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