Can I Repair My Car? Insurance at Fault is Taking Too Long

Originally Posted by Josh

I think you're missing the point. It sounds like the person at fault doesn't have enough insurance to cover everything that happened.

That kind of thing also happens when there are multiple at fault parties with different coverage. The carriers have to figure out what percentage their insured may have contributed to the loss, and get the other involved carriers to agree to said percentage.

All that said, 5 months is entirely too long for a vehicle repair settlement from an at fault party.

EDIT (sorry, did not bother to answer your question.. no coffee yet): Make sure the adjuster(s) has/have inspected the vehicle prior to repairing it. If they have not, and you absolutely have to get the car repaired, take photos in the following sequence, and save them for the adjuster(s):
Quartering shots (from each corner of the vehicle, so a side and front/back are visible in each)
License plate
VIN
Odometer
A couple of overview shots of the damaged areas, and then a dozen or so closer up photos detailing each damaged area.

Save those photos for the adjuster and submit the invoice for repairs to the at fault carrier, and any or all of the adjusters that came out.

That's really about it, unless the car is considered a total loss (>75% of book value is damaged)

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Last edited by Accelerated; Today at 05:13 AM.

Source: http://www.insurance-forums.net/forum/auto-insurance-forum/can-i-repair-my-car-insurance-fault-taking-too-long-t52185.html

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