So basically I got into at one accident . I wasn’t at fault but the other person had zero insurance . I’m trying to fix my car independently but progressive wants me to take my car to a body shop but I just don’t want to . And to add my car is financed with brightest . And the estimate on the fixes is $6684.00. I just wanna fix my car myself horrible experiential body shops . And I have full coverage !
Posted by PsychologicalGap1542
5 Comments
Is there a question?
Not up to you since your car is financed. Read your finance agreement and you’ll almost certainly see language that requires you to get repairs done at certified shops.
Even if you’re not seeing that specific language, you are obligated to preserve the value of the lender’s collateral (i.e., the car), and you almost certainly can’t do that on your own unless you have all the tools and experience found at a body shop/mechanic.
There’s pretty much no scenario that ends with you getting a big check from Progressive and the thumbs up to make the repairs yourself.
If you are making payments for the car, then they have requirements for how to repair the car. It likely includes using a repair shop, since people generally don’t fix cars to the same level of expertise.
Sounds like you need to go to the body shop.
This is what you have insurance for. take the insurance and get it fixed and do it the right way. yes your payment insurance will go up next year a little bit but it’s not too bad if it wasn’t your fault
Your insurance should cover it regardless. They make uninsured motorist coverage for a reason. Seems there is more to the story if your willing to pay over 6k yourself