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April 20, 2010

what are my rights in car insurance claim?

Filed under: Auto Insurance — Tags: , — admin @ 7:00 pm

Recently a neighbor backed into my brand new parked car instead of his driveway.  He gave me his insurance info and I reported the claim.  It turns out we both have the same insurance companies.  I am really upset that a new car (purchased 3 months ago) has sustained damages.  What I want to know is what rights do I have in going about a resolution?  I know I can get it repaired by a body shop of my choice but I’m not too keen on repairing and then using a car that has been hit through no fault of my own.  Repairs are rarely the same as new and I see no reason to be subjected to this as it would eventually cause me loss when I try to sell it. Can I demand to the insurance company to replace my car?  I will lose a couple of days in wages in trying to sort this out.  Do I have the right to get reimbursed?  What about for time lost and inconvenience?  Car rental?  What other rights do I have?  What is the best way to handle this?  Please HELP!

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