Why is Insurance Company Taking Too Long to Fix My Car?

Why is the insurance company taking too long to fix my car? In some cases, the insurance company takes too long to fix a car. It could be more than 2 weeks and you need the car to get to work or school.

insurance company taking too long to fix my car

This means you may have to use rideshare services but should fixing your car be taking so long? This publication features your answer.

Insurance company taking too long to fix my car

Your auto insurance company does not have control over how long it takes to repair your car. How long it takes to fix the vehicle depends on:

  • The severity of the damage
  • How busy the repair shop is
  • Availability of your car parts in the inventory

Some insurance car repairs will take 1-2 weeks. However, back-ordered parts can take as long as a month or more to repair the car.

Read also: how long before you’re paid stolen car claims?

The solution would typically be to ask your insurance company for rental reimbursement to cover the cost of a car rental until your car is out of the repair shop.

Meanwhile, it is your place to decide who can fix your vehicle. Your insurance company may recommend certain body shops in their best interest. They may have contracts in place with these repair shops that negotiate lower parts and labor rates.

A claims representative has monthly objectives to meet, and an auto insurance company would want to see at least 40% of auto claims go to their body shops.

As such, if you pick a body repair shop outside their recommendations, they can try to sway you differently.

They will tell you stories like:

  • “Your preferred shop is not in our network.”
  • “Our company cannot warranty the work that your preferred shop does.”
  • “That shop charges higher than ours.”

They might even say that your claims will take longer to settle at the shop you choose.

Read also: will an officer commandeer your vehicle?

Know your right when calling your insurance company as a consumer, and choose the repair shop you trust for your car.

What to look for when choosing an auto body shop

  1. Certification

You want a shop certified to fix your vehicle. So, the shop could be certified by Dodge, Jeep, Nissan, SRT, Honda, Ford, Acura, etc., or the brand of your vehicle.

A shop certified by the manufacturer of your car is an expert when it comes to repairing your car, and has access to the needed parts.

  1. Check the company’s review online

Google and Yelp reviews will help you determine if an auto repair shop is reliable.

What other people think about the body shop will help determine if you can trust them. You will always find negative reviews but more positive reviews mean the auto body shop is reliable.

  1. The staff

You want a car repair shop with courteous and professional staff. The company should know what you need in the car and be able to handle your requests. You need a customer-friendly shop that is more interested in getting the job done.

  1. A written estimate

Look for a repair shop that will offer a free written estimate. A written auto repair estimate refers to a contract between you and the auto repair shop. This written estimate describes what the car needs and the cost of repairs.

  1. Vehicle detailing

Vehicle detailing is not so necessary but choose an auto body shop that will detail the car to deliver it professionally to meet the money.

What to do if insurance takes too long to fix your car

If the insurance is taking too long to fix your car, do the following:

  1. Contact your insurance agent

The claims process could be slowed down by many factors the agent can rectify. In the case of major delays, your agent can resolve them even though agents do not deal directly with a claim.

Read also: tricks to get away with a car you vandalized

The agent will contact your claim representative or the body shop or both to make sure your car is repaired as soon as possible.

  1. Get a rental vehicle

You may need a rental car for work and school. Depending on your insurance company, the rental car cost could be covered after an accident. Simply, request reimbursement in the amount of the rental car while you wait for your car repairs to complete. Refer to the terms of your policy or contact your agent to be sure.

  1. Borrow a car

You can borrow a car from your family or friends. Make sure their insurance coverage is automatically extended to you. However, their deductibles will apply if you get in an accident.

If a loss occurs, pay for the deductible while you have their vehicle in your possession.

Final thoughts

You can always shop around for a better insurance deal elsewhere if you feel underserved by your current provider.

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