Can I collect insurance money if I do the repairs on a car myself following an accident?
I recently got into an accident in my car, but I wasn't at fault. With a good grasp on various automotive repairs, can I complete the work myself and still collect the money from the insurance claim?
“Whether or not you can perform some DIY mechanic work following an accident (mechanical or body work) usually depends on if you own the vehicle. If you have a loan for it, chances are the lender will want a certified repair shop to do the repairs to maintain the value of their collateral.
Owning the vehicle outright usually means you might be able to do the repairs; just make sure to ask your car insurance provider. If they allow DIY repairs, make sure to keep detailed records and receipts to ensure proper reimbursement.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
Does Esurance cover hail damage?
I have Esurance and my vehicle was recently damaged in a hail storm. Can I submit a claim for the damage?
Jul 29, 2021
What's the point of having car insurance if my premium goes up when I use it?
A few months ago, I was in a car accident where I was at fault. Since then, my premium has gone up. What was the point of having car insurance?
May 27, 2021
Can I take a driving test if the registration has expired and I don't have an insurance card?
My car registration expired a few weeks ago, and I can't find my insurance card. Can I still go ahead with my driving test?
Apr 13, 2021