Can i ask for insurance payout to come directly to me ?

[LittleMissxx]

Evening all. A few months back some numpty hit my car whilst it was parked outside my home. The insurance have taken so long to get back to me i have had the work done. They have only just approved the quotation. Can i now insist they send me the money and not the repair garage ?? Not sure how it works. Thanks

[factor-fiction]

Have you already paid the garage then?

[LittleMissxx]

no because my husband is a body shop repair man

[factor-fiction]

Mmm. Notr sure. Did you get a VAT receipt from your hubby and will he declare the income?

[woozer]

If you have a receipt then send it to the insurer - I dont think they will pay you unless you can show you have paid out to someone.

[ummmm]

I had an insurance payout sent to me. We owned a car repair business so the insurance firm really wasn't going expect us to send it somewhere else.

I can't remember how they worked out the amount though. You'll need a breakdown of costs and labour.

[matdevine21]

An insurance company has the right to have your vehicle repaired at their own garages.
By having your car repaired yourself you have left yourself open to allowing the insurance company to refuse your claim because of you breaching a claims condition.
I would suspect that you have a way around this due to the amount of time they have taken to acknowledge your claim and get round to viewing the repair quotation (the FSA Financial services authority) have strict guidelines that state that an insurance company must deal with claims quickly and fairly.
If you explain the situation to the insurance company and supply them with a full breakdown of costs and tell the mthat you have paid this then there is no reason for them not to pay out.