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I was in a freeway accident that was not my fault. I was unhurt (just a few bruises), but my car was damaged. My insurance company is now assessing the damage and awaiting the Highway Patrol report.
My insurance policy included a provision for the insurance company repairing my car or, if the repairs equal 75% of the cost of a replacement car, replacing the car. If the car can be fixed, fine -- but I want to make sure that it would be safe to drive.
So my question: Do I have the right to hire an independent appraiser to look at my car and certify it as safe? If so, how do you suggest I handle it with the insurance company?
Thanks in advance.
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