What to Do If Unsatisfied with Insurance-Covered Car Repairs?
2 Answers
For financial losses, you can file a claim against the at-fault party; you may demand compensation from the at-fault party's insurance company, and for any uncovered losses, you can claim against the at-fault party. If negotiations fail, you may initiate a lawsuit, and it is recommended to list both the insurance company and the at-fault party as defendants when filing the lawsuit.
When I was dissatisfied with the car repair covered by insurance, handling it required a step-by-step approach. First, immediately contact the insurance company, bringing the repair receipt and vehicle photos as evidence, and explain the dissatisfaction in detail. Insurance agreements usually have clauses on repair quality standards. If the standards are not met, they should arrange for a re-inspection or designate another repair shop to fix it for free. If they delay, don’t give up easily—directly file a complaint with the consumer association or contact the insurance regulatory authority. In my experience, written complaints are more effective, such as letters or emails documenting the entire process. At the same time, check the vehicle details, such as whether the paint or parts are properly installed, to avoid future issues. To prevent future problems, check the reviews of the insurance company’s partner repair shops when choosing an insurer, and regularly monitor the repair progress to ensure quality standards are met. Persisting in protecting your rights is the only way to safeguard your vehicle’s condition and safety.
