One strategy is to use generic or salvage parts instead of using new parts from your car's original manufacturer. Generic can be a poor substitute. Parts may not fit as well, be as strong, and they may rust prematurely. When the repairs are complete, whether you have gone to your insurer's mechanic or your own, consider having an appraiser check your vehicle for any reduction in value. After Repairs Your insurance company will seek reimbursement from the party at fault for the accident.
Delays occur when there is a question about who is at fault for the accident.
You may have to wait for the insurance companies to complete their investigations. If there is a disagreement between companies, the issue may be forced into inter-company arbitration. If you are fortunate enough not to be injured in your accident, you will most likely deal with the insurance companies yourself. Remember, your agent is on your side. If you have been injured in an accident, you may need to consult with an attorney to ensure you receive just compensation for your injuries.