Fixing Your Vehicle
1) Who should fix my vehicle—my insurance company or the at fault driver’s insurer?
If you purchased collision coverage (coverage to fix your car), direct your insurance company to fix it. You have contractual rights with your own insurer—those rights and duties are set out in your insurance policy. On the other hand, you have no contractual relationship with the insurer for the other driver.
For example, you may be able to require new factory parts if your policy has that term. You will never be able to require new factory parts if the other insurance company pays to fix your vehicle. Plus, providing the other insurance company early access to your car presents them with an opportunity to jump start their defense.
TIP: If you did not purchase collision coverage and have no choice but to have the other insurance company pay to fix your vehicle, only speak to the property adjuster and limit the conversation to the value of the vehicle. Do not speak with the injury adjuster for the other insurance company as their sole goal is to minimize your claim.