Can an insurance company pay repair costs to me directly so I can keep my vehicle?

My 2008 Chevy Trailblazer was damaged during a windstorm in Montana. It will most likely be totaled, as the cost of repairs is $6,000. I would like to keep my vehicle, as I still owe $1,000 on my loan. Would my insurance company pay me the $6,000 directly? And then I can sell the car myself.

Car insurance companies typically do not pay repair costs directly to an insured. When they decide that a vehicle can be repaired, they work directly with the shop that is performing the work. This is to ensure that the vehicle will be repaired.
If your vehicle is deemed a total loss and you want to keep it, you’ll need to negotiate with your insurance company. They most likely won’t offer you the actual cash value of your vehicle, but you would get something. This would allow you to either repair the vehicle and sell it or pay off your loan.
Every insurance company is different, so you’ll need to reach out to yours to discuss the possibility of keeping the vehicle. “
Emily Maracle
Answered on May 03, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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