What costs would I incur if I cancelled my car insurance accident claim?

Question

I snapped a coil spring on the front shock absorber of my car as a result of crashing into a speed ramp and the car is no longer drivable. I tried to do the job myself but was unable to do it. I have now made an insurance claim and the insurance companies recommended garage gave me a quote to replace both front shock absorbers which is quite expensive. My no-claims bonus is protected. Since making the insurance claim, I have found a garage that said he could finish the job I started at a reasonable price.I am now thinking I would like to cancel the claim end get my car back unrepaired. Is this advisable and would my insurance premium still be affected at renewal time. Also, as my car wasn't drivable after the accident and the garage had to collect it from my house and will have to bring it back.

Answer 1

Not sure where you’re located but in most States you have the right to have your auto repaired at any shop of your choice.

But to answer your question about if you should stop your claim? No, unfortunately the claim has been filed and it will go on your CLUE report regardless (if you’re in the US). So at this point I would just let the insurance company take care of the repairs. Now how this will affect you at renewal time is anyone’s guess. Just be ready to shop rates when you get your renewal bill. Who knows it may not be that bad and if your current carrier treated you well with the claim process a little increase in premium might not be that hard to swallow especially if they took good care of you.

Sorry about your mishap, hope everything works out well and good thing no one was hurt. Take care.

Answer 2

you will desire to arranged to be sued & taken to court docket. What do you recommend "what would desire to I do?" you weren't stressful approximately "what to do" once you have been using with out coverage. i'm beneficial you do not choose to hearken to each and every of the sh*t speaking, yet its the reality. Your coverage corporation mails you a letter pointing out the date your coverage would be cancelled (nicely a minimum of state farm does) so which you is easily not with out coverage. You knew the date you have been getting cancelled, so the date you gained the notification, you will desire to of been on your seek for clean coverage. Now you will ought to come returned out of pocket. The court docket would placed you on a value plan the place for ex: you pay $2 hundred a month until you have reached the ordered quantity. i don't recognize for beneficial, thats purely what I heard is achieveable. The court docket is going to charge you with using with out coverage, so as which would be a factor on your using checklist. you will would desire to pay a impressive for that and you'd be required to have a SR-22 besides. good success.