I was recently in a hit and run accident with a driver, who hit me once, then again, then speed off ( I think he was drugged or high). Anyways, I was so upset that I chased his car down the block for 20 minuetes before he ended up stopping at a red light (they have cameras) and I copied down his license plate number. He put two cereal bowl dents into my car, its actually very unsightly but not that bad.
I called my insurance company, who was able to track down the people that speed off via the license plate number that I got. I have Triple A.
Unfortunately, I am in a financial bind. I am really strapped for cash. A friend said that I could possibly take my car into a car repair shop (Toyota repair/dealership) to the cost to repair the damage estimated and then have the insurance company write my a check such that I could get it fixed myself. Of course, then instead of using that money to fix my car I would then use it to pay my personal stuff. So, I am leaving the two dents on my car unrepaired.
However, the insurance company has been really adamant about having me take my car into the shop and them paying the shop directly. Then, the insurance company would send one of their appraisal people to see the car and do post-inspection after the car is repaired but not before it leaves the shop.
Legally, arent I entitled to just having a check made out to me? After all, they did crash into my car!
Also, when I get my car appraised at the car repair shop, how do I make it seem as though I do intend to get my car fixed there?
Its so sketchy how the tyotoa repair shop on the phone wont let me just get an estimate of the damage, they wanted my business and my instance companys info. I just want them to do an appraisal and keep it at that. I mean, they are getting money to appraise the damage, even if Im going to keep the check form the insurance company.