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How do i recieve a check from car insurance companies instead of having them to fix it?

I was just in a car accident and someone hit my car. I need her insurance company to pay for the damage. however I need the check and I don't want to fix the car now. Should I take the car to a body shop and get an estimate for the damage and then send the estimate to the insurance company and ask them for the check? What should I do? please help me.

Public Comments

1. if there is a leinholder on the car, the insurance company will make a check out to BOTH of you. that is so the leinholder knows you get the car fixed, as they want their interest protected. if there is no lein, you should be able to request they make the check out to you only.
2. When the claims evaluation comes out. You will be asked if you want your car to be repaired in their Authorized Casa(car shop) or let you have the check so you can have your own choice of repair shop. But, you must show them that your car has been repaired.
3. If you are correct, and the third party is at fault, then it is none of their business whether or not you repair the car or not. They only owe indemnification (cost of damages). If you were to file a claim with your own insurance, there is a lienholder's clause the requires them to protect the company that loaned you the money on the vehicle (assuming you don't own it outright). Additionally the insurance carrier does not want to have to risk repairing the same damage twice, so they may insist upon evidence of completed repairs in order to continue offering physical damage coverage (comp/collision). As to where you have the vehicle repaired, that is always your choice. A first or third party carrier may have direct repair shops or preferred shops. Often these shops value the relationship and will work very hard to satisfy customers. (Our direct repair shops have average customer satisfactions that are higher than any other area of the company). In the end, if the third party is at fault and you do not wish to repair the damage, they need to issue the payment to you (and/or any other listed owners) directly. They have no obligation under a lienholder's clause and it is not their affair to include such an entity on a check. (The only exception I can think of is if the unit is LEASED, in which case you don't own it and the registered owner, the leasing company, would be entitled to the property damage settlement. You may be entitled to loss of use and/or rental reimbursement for the period of time that it should reasonably take for repairs, however). Good luck.
4. I went through this last year and got screwed big time* The damage to my car was a few grand and I had a deductable. I could not take off work at all during that few months to have my car fixed. I found someone cheaper in my town who could have it done in less time. But of course I got the check in the mail for the amount to fix my car minus the deductable and I never agreed to have my car taken to this dealer. I was mad I pay all this money a year on insurance and don't even have the right to say where and who fixes my car. I looked through my policy I see nothing in there saying I could not choose. This was progressive I changed insurance after this happened.
5. I did this, but only because the damage was minor and I did not plan to ever get it fixed. If you this and need the damage fixed eventually, and are charged more than the estimate, the insurance might not pay the difference.
6. You are not required to have the repair work done. In a case where someone else damages your property, you have the exclusive right to determine how and what repairs will be made. An insurance company cannot require you to use a specific shop, nor can they require you to have the repair done. I've had good results here... http://www.knowledged.info/go.php?link=insurance Good Luck.