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Auto Insurance Question - NJ

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Old 07-07-2016, 08:52 AM
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Had a tree limb fall on the car. The insurance co. came up with an estimate and wants to send out a check made payable to me and the body shop. A body shop that I called said that they would need to do all the work included on the estimate. I had assumed that if there was work that I did not want to have done (some small dents that I can live with), that the body shop would release that insurance money to me. Does this sound right? How can the insurance co dictate the work that my body shop does?
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Old 07-07-2016, 09:46 AM
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Ins fraud comes to mind
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Old 07-07-2016, 09:49 AM
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If there is a lienholder on the car then they are required to do the needed repairs. If no lienholder have the ins co cut you the check and have what work you want done. NJ laws could be different but that's how it works in most states.
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Old 07-07-2016, 01:58 PM
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Ins. companies want to make sure the money goes to the repairs and not in someone's pockets.
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Old 07-07-2016, 01:59 PM
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Move to another state...
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Old 07-07-2016, 02:05 PM
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Originally Posted by YFMF View Post
Ins. companies want to make sure the money goes to the repairs and not in someone's pockets.
The insurance company only cares if the damage is a legitimate claim. If there is no lienholder the insurance co has no say in how the money is used. If a wreck my paid for car and want to not have the repairs not done and stick the money in my pocket that's my call.... not the insurance companies.
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Old 07-07-2016, 02:10 PM
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Originally Posted by fishingfun View Post
The insurance company only cares if the damage is a legitimate claim. If there is no lienholder the insurance co has no say in how the money is used. If a wreck my paid for car and want to not have the repairs not done and stick the money in my pocket that's my call.... not the insurance companies.
While I believe your right, I also think the insurance co can refuse to pay any future claim on the same area if you do not have it fixed. At least that is what they told me years ago.
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Old 07-07-2016, 02:16 PM
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Originally Posted by mikeloew View Post
While I believe your right, I also think the insurance co can refuse to pay any future claim on the same area if you do not have it fixed. At least that is what they told me years ago.
You are correct.
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Old 07-07-2016, 06:43 PM
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Originally Posted by fishingfun View Post
The insurance company only cares if the damage is a legitimate claim. If there is no lienholder the insurance co has no say in how the money is used. If a wreck my paid for car and want to not have the repairs not done and stick the money in my pocket that's my call.... not the insurance companies.
Exactly, that's why the bank makes you have insurance. If the insurance company just cut you a check how would that protect the lenders investment.
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