Accident(repair or not?) Need reply from som1 who knows.....

[1000 Feedbacks]

I wondered if you was in a accident where it was the other parties fault and my vehicle needed to be repaired as was damaged slightly, do i HAVE to get it repaired after getting a quote?(ie.. before i get paid out) or can i leave it and get paid out for the repair from the quote i recieved once the dispute has all been resolved? So all i do is submit the QUOTE to the solicitor?

The reason i ask is because my excess on my insurance is £1500 (yes i know i know) and the repair is £1700. So i have to shed £1500 straight up. Could i just wait for the payment to to come through after i win the dispute and then repair it? Ive looked into it and i really cant see why they wouldnt pay me out and why i have to repair it instantly after all it is my car and it is only a scuff and a small dent. im fairly happy to drive around like it till im proven i was in the right and get paid out.

[Petrolhead_Rich]

No, you can wait until blame is sorted on the basis your excess is crazy and it wasn't your fault....

[AndrewW-G]

I'd suggest that rather than using your insurers to repair the damage, you have three primary options:

• You can wait and take the cash
• Get it repaired via the other persons insurance
• Get it repaired via a claims handling service