Do I Have to Use the Insurance Payment for Car Damage?

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Do I Have to Use the Insurance Payment for Car Damage?

by Anonymous
(Oregon)

Another party hit the rear fender and part of the door on my car when he was merging into traffic. I am getting a check for the damage, but feel the estimates are extremely high for the amount of damage, and feel it could possibly be repaired another way.

Am I required to have the damages repaired by the auto repair shop that provided the estimate to the insurance company, since they paid the claim based on that amount?

Disclaimer: Information provided in your response is not formal legal advice, it is generic legal information and is based on the very limited information given in your question. You should always get a formal case evaluation from a licensed attorney.

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Do I Have to Use the Insurance Payment for Car Damage?

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You Can Do Whatever You'd Like
by: Law Lady

The short answer to your question is "no" you are not required to use the shop whose estimate formed the basis of the settlement.

You are being compensated for the damage that occurred to your vehicle and with that compensation, you are free to:

1. Fix it with the same auto body repair shop;

2. Select another shop that is cheaper, more convenient, or that you simply like better or

3. Leave your car exactly as it is provided it is drivable and use the money for some other need.

The bottom line is that someone damaged your property and you are entitled to compensation. What you do with the money is completely up to you (provided it's legal).

Since laws change frequently and across jurisdictions you should get a personalized case evaluation from an attorney licensed in your state (if you haven't already). Find an experienced local attorney to give you a FREE personalized case review here.

Best of luck,

Law Guy

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Do I Have to Use the Insurance Payment for Car Damage?

Comments for Do I Have to Use the Insurance Payment for Car Damage?

Comments for
Do I Have to Use the Insurance Payment for Car Damage?