So in a drive thru the car backed into me(Guess they forgot something) the damage is minimal. It’s just a small crack in the front grill. The person who backed into me left the scene but their info was acquired but because it was a drive thru it’s considered private property so the police won’t go after them. My deductible is $500 but the part to fix my car is $300. It’s not even that noticeable so I was just gonna leave it alone. The insurance company told me they will close the file but I have to show proof i fixed my car before renewing my policy next year. Can they actually force you to fix it and what would be the reasoning behind this? They aren’t losing money and I’m choosing not to fix it. And if I chose to fix it myself how exactly would i prove it? My uncle is a mechanic and would do it all at no charge. So I get a phony invoice and send them that? I’m Canadian has anyone else dealt with this before?
Posted by Wishy666
3 Comments
You don’t have to fix it if you don’t want to, but your insurance company is likely asking for proof just to make sure the vehicle is roadworthy. If you choose to fix it yourself, getting a receipt from your uncle for parts and labor should suffice. It’s about ensuring your car remains safe and meets policy requirements.
If the damage is minimal and you’re comfortable leaving it as is, you might be okay. However, insurance companies often require proof of repair to keep your policy active, just to ensure all cars are in good condition and reduce liability risks. If you choose to fix it yourself, an invoice from your uncle should be fine, as long as it’s clear and accurate.
>The person who backed into me left the scene but their info was acquired but because it was a drive thru it’s considered private property so the police won’t go after them.
Your insurance should be able to go after the other persons insurance to recover your deductible and repair cost
>Can they actually force you to fix it and what would be the reasoning behind this? They aren’t losing money and I’m choosing not to fix it.
Are you still making payments on the car? If so AFAIK yes you have to get it fixed as that money belongs to the lender. If you own the car out right then, no, you don’t have to fix it. Not fixing it will cost you, though, as they have the right to deny renewal as well as not being covered under comp/collision for the unrepaired damage.