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Question
I was recently hit from behind some minor damage that I can repair myself. The question is do I have to take my vehicle to a body shop after I have check in hand for the repairs if I am able to make the repairs myself?
Hi Chris,
If the check is issued only to you then yes you can cash the check and do the repairs yourself. However, if you are dealing with your own insurance company and you have a loan on the vehicle then the insurance company is required to issue the check either to you and a body shop or you and the lienholder. In that case you would have to have the vehicle repaired at a professional body shop and simply sign the check over to them.
I hope this helps
Richard Hixenbaugh
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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