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If you have your check from the insurance company you are free to do whatever you want with it. Insurance claims are based on indemnity, restoring a person or property to its previous condition. Most insurance companies do this monetarily. Once the check is in your hand it is yours and the insurance company has no say in where it goes. In some cases they may pay a shop directly once repairs have been done. If you have already received a check then you are being paid based on an estimate or appraisal. The assumption is that you will fix your car but they won't necessarily check up on you afterwards. It has no affect which two insurance companies are involved.

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โˆ™ 2015-07-15 18:52:53
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Q: If you have settled a car insurance claim do you have to use that money to repair your car if the person who hit you had the same insurance company?
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