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No you do not have to use it for your vehicle damage. You can use it as you wish. You are required to be compensated for your damage, It is up to you what you do with that compensation. If you have a Lien holder on the vehicle then you likely have contractual obligations with them to fix any damage.

2007-02-09 20:36:26
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If you are in an auto accident and the other driver has no insurance and your insurance provider pays your claim do you need to have the auto repair done or can you keep the money?

No, you are not required to repair your vehicle. However, you might be disappointed if you experience another accident and further damage occurs. The insurance company may pay the claim differently since it cannot determine prior damage to current damage. However, if it is an older car and it is not significant, it is your judgment call.

What is collison auto coverage?

Collision coverage pays to repair your vehicle after an accident. Comprehensive coverage pays to repair your vehicle for damage caused by something other than an accident, like fire, theft, and vandalism.

If your air bags blow out in an accident that is not your fault will you recover damages?

You should contact the at fault party's insurance company and let them know you have a property damage claim. You will need an accident report. Photos of the damage or an estimate for repair will also be helpful.

Does homeowners insurance cover damage caused by a repair man?

Not generally. If the repair man is responsible for damage, he is also responsible to repair it.

If in a low impact at fault accident and you have no insurance and there is no police report or proof of any damage can uninsured driver be charged excessive repair costs?

sadly yes

Why would a person need a repair quote for an insurance company?

Many insurance companies like to see repair quotes to estimate the exact amount of damage one has sustained during an accident. They like to have a few different quotes, and generally tend to go with the cheaper of the quotes and repair accordingly.

Driver told that car is insured under owners policy Crashes it and it turns out there is no insurance for the vehicle. Drivers insurance pays for damage to 3rd party Who pays to repair the car?

It is always the at-fault party's responsibility to pay for the damage they cause in an accident. Insurance is a transfer of risk from the driver to the insurance company, but if the coverage (collison) does not exist on the car, then the driver will be responsible to pay out of pocket for the damage.

What does auto collision insurance mean?

Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.

What does collision coverage insure?

The repair of damage caused to your car when you caused the accident

Do you have to use check from insurance to fix auto?

If you haven't paid the vehicle off, then you must repair the vehicle with the insurance check. If you don't owe a bank anything, you are not required to fix the vehicle. Keep in mind, if the vehicle has unrepaired physical damage and you get in another accident the insurance company will not give you another penny. They are only required to repair the vehicle to the condition it was in prior to the accident. If it was already damaged, they won't give you a dime

What should you do when a biker runs into your car and does damage?

Contact your insurance company to see if they can repair your damage for free and get the bikers insurance details and their name and adddress if your insurance needs them.

You live in PA do you have to use the money you received from an insurance company to repair your car?

No. If you don't use the money to repair your car and get into another accident or damage occurs some other way, you may not get reimbursed the 2nd time because a mechanic would be unable to tell which damage was old and new.

Shouldn't the insurance pay to obtain a 'mechanical worthiness inspection' after accident damage has been repaired?

Well, no not necessarily. They should repair your vehicle back to pre-accident condition. More details as far as the damage to your vehicle and perhaps I could be of more assistance, but they are not required to preform this inspection.

What is an adjuster?

An insurance claims adjuster is a person who decides how much money their company is going to give you for your loss.AnswerAn insurance claims adjuster is a person who coordinates damage reports, loss and damage repair estimates to assist the insurance company in determining the monetary value or repair cost of your loss.

Is at fault driver responsible for her cosmetic bumper repair in minor accident?

Actually, this will be covered by your insurance co.

Will insurance total a 2003 Toyota Tacoma if the frame is bent but there is no cosmetic damage?

How can you bend the frame without cosmetic damage? Did you run over something? Depending on your insurance coverages, if a vehicle has a bent frame and is no longer safe to drive, then an insurance compamy would usually total out a vehicle. Otherwise, they can pay to repair the vehicle.

What does trade insurance usually cover?

It depends on what it is. Its like if you had crashed into a car and thats your fault . You will need to pay for the repair with you own insurance. All it is is if you cause an accident you need to pay with you insurance that cost of the repair so thier care is fixed.

Does homeowners insurance cover plumbing repair to a sewer?

Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.

Will insurance total a 2008 Chevrolet 1500 if the frame is bent but there is no cosmetic damage?

This would depend on what it would cost to repair the damage. If it comes to about 70% of the ACV of the truck, then they would probably total the truck. I don't see how an accident could bend the frame of the truck without any cosmetic damage.

What are average costs to repair water damage per average insurance claims?

Some websites say the average water damage insurance claim is $7,500 including drying and reconstruction.

Is your car salvage after an accident?

It depends. Is there damage, what is damaged? What is the repair cost estimate? What is the year, make and model? What is the blue book value of the vehicle before the accident?

If your at fault in an accident there is no damage to your car but the others how much do you have to pay?

If you are at fault in an accident, You are responsible for any personal injuries and the reasonable cost of repair for for the damage to the other vehicle that you hit. The level of damage to your own vehicle does not mitigate the cost of the damage to the vehicle you hit. After all you still caused the damage and you are responsible for it.

If an auto adjuster states that certain damage to your car is not accident-related who can you appeal to?

Have the body shop, make an evaluation and send that to the adjusters supervisor, Insurance Adjusters are given bonuses to keep your repair cost down

Does homeowners insurance cover auto damage caused by wind?

No. that's what Auto Insurance is for. Home insurance covers damage to your home from wind, hail, fire, lightning etc. Likewise, your auto insurance, comprehensive coverage would repair wind, fire, hail and lightning related damage to your vehicle.

Can i choose the accident repair company if the accident is other driver's fault?

There are a couple considerations:Yes you can if:The shop you chose is not baned by the paying insurance companyThe insurance company approves the repairing shopThey repairing shop will do the work for the money provided by the insurance companyORYou are willing to pay the remaining amount the insurance company wont cover. I have done this to get a shop I trusted but wanted "To Much Money" for the repair.