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Message: <blockquote data-quote="Desdichado" data-source="post: 1914481" data-attributes="member: 2205">I'm not familiar with Farm Bureau, but if you have full coverage then, yeah, you only have to pay the deductable to get your car fixed.  In Texas, when I lived there, whoever was at fault in the accident had their insurance pay for the repairs to the victim's vehicle.  In Michigan, however, where I live now, it is a "no fault" state, so everyone's repairs are made on their own insurance.I'm not sure if it really makes any difference to you, in this case, although it would if it was the other guy's fault who hit you.Either way, expect your premiums to increase as well.  Although if you're on your in-laws plan, maybe you won't even notice that.  It does take a while.  Insurance companies, naturally, are in the business of trying not to pay.  Essentially it's like gambling; they're betting that you won't be in an accident, and you're betting that you will.And when you are in one, there's usually at least one, if not several rounds of appraisals that need to be done.  We've collected on auto insurance a couple of times, three times when someone hit either my wife or I, and once when a hailstorm put a bunch of dents in my car.  Each time, what ended up happening was that there was a selection of body shops that we could go to, and only those approved body shops were covered.  In some cases, they get an estimate done and they pay you that amount, and you have to go out and find someone that will match the estimate, or eat the difference yourself.  In general, the appraisors are pretty thorough; they're not actively trying to cheat you, but they want to make sure that they're not being overly generous either.This probably isn't an option in your case, but we decided we could live with the little hailstone dents -- they're still in the car I drive to work everyday, and we just pocketed that cash.  <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f609.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=";)" title="Wink    ;)"  data-smilie="2"data-shortname=";)" /></blockquote>

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