Is repairing my vehicle a choice?

The insurance company has certain rights on how to settle your claim. When you signed your automobile application you gave the insurance company these rights. Your broker or agent should have explained this to you so that what can happen will not be totally unexpected.

There is often an option to not repair the vehicle and accept a cash payout. If you did this with a vehicle it would be an agreement that you have made with the adjuster.

In some cases, your insurer may, by giving you a formal notice in writing, exercise its right to repair your vehicle. In such a case, your insurer may assume complete control of the repair process and have the vehicle repaired where they choose. By doing so, your insurance company assumes final responsibility for a satisfactory repair job and must restore the damaged vehicle to its condition prior to the collision with no additional cost, other than stated in the policy or as otherwise allowed by law.

The insurance company has the legal option to repair or replace your vehicle. If the company takes this option, it must give you written notice within seven days after receiving your Notice of Loss and Proof of Claim Form. In this case, the company is responsible for insuring the quality of either the repairs or the replacement.