Repairing vs. Replacing Your Vehicle

In some cases your insurer may give you a formal notice in writing (within 7 days of receiving your Notice of Loss and Proof of Claim Form), that it wishes to exercise its right to repair or replace your vehicle. If repairing your vehicle, your insurer may decide to take control of the repair process and have the vehicle repaired where they choose. If they do that, they assume final responsibility for a satisfactory repair job, and will restore the vehicle to its condition prior to the collision. This happens with no additional cost to you, other than what is stated in the policy – or as otherwise allowed by law. If your insurer decides to replace the vehicle, it will be replaced with a comparable quality vehicle.

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