can the insurance company repair your totaled car even if you do not want to repair it?

Answer 1

.If its totaled, the cost to repair is greater than its value. The insurance company won't repair it as it would be loosing money. Instead they will give you the blue book value. If they're going to repair it, its obviously not totaled. All the above twits who said yes, are idiots.

Answer 2

You are not being honest with us. Is your car actually a TOTAL LOSS or (most likely) you just don't want it repaired and think you can strong-arm the insurance company into buying it. Insurers are NOT bound to 'total' a vehicle if it is indeed repairable. You always have the option to recieve the cash amount for estimated repairs vs repairing the car though you may issues with you lein holder if there is one. If you (or a repairer) can simply show the insurance company that cost to repair your car will exceed the actual cash value (or the state set percentage of) then this is not even an issue.

Answer 3

Yup (at least in California, laws may vary by state). Whether to repair or total a vehicle is always at the discreation of the insurance company. You have no recourse to dispute the decision (you can't even sue them). You may, however, be able to negotiate with the claims adjustor. If they refuse, you're stuck with whatever they do.

However, in most states, you do have the right to have the work done wherever you want (although the insurance company only has to pay a "reasonable" price). Furthermore, you can sometimes insist that they use only "real" (not refurbished) parts.

Answer 4

the term "totaled" means that it's not worth the money to repair it. So I don't think any insurance company in the world will want to repair a totalled car.

Answer 5

Technically a car is totaled if the insurance company says so. And they would only declare the car to be totaled if its cheaper to pay off the value of the car in lieu of fixing it. So essentially once the car is totaled, they are not going to repair it.

The only choice you have is whether or not you want to file the claim. If you would rather take your wrecked car and go on about your business, thats fine.

Answer 6

The insurance company's responsibility is to make you whole, put you back in the condition you were in before the accident. Many insurance companies have many cars available and often will let you have a replacement car a year or two newer. Many insurance companies have deals with body shops for kick backs. The insurance company is not supposed to dictate which repair shops to use.

Answer 7

If you don't want it fixed then they will cut you a check for the estimated amount to repair the damage. However, if you continue to drive the vehicle then they can and usually will refuse to insure the car. If the car is completely totalled and you still owe the bank then your are required by your lenders contract to fix and maintain the car until you no longer owe on it.

Answer 8

If the insurance company is paying for repairs, then its not totaled.....you may get a check for their estimate of repair, what you do with it is up to you

Answer 9

Insurance usually cuts a check to either cover the repair or replace the vehicle as necessary.

It probably depends more on your coverage than anything, but most ins. companies would give you what the car is worth if it's truly totaled. Please note: Many times a vehicle is not worth what you *think* it's worth... I learned this lesson the hard way.

Answer 10

The only time I totalled a car (that the insurance was going to pay for anyway) they gave me the option of taking XXXX amount of money and they'd take the car, or XXX amount of money and I could keep the car. I'm sure different companies have different policies regarding that. My buddy's wife totalled their car and the insurance company cut them a check for $2600 and let them keep the car.