aggrandizment
US Fidelis offers insurance for auto-repairs. They pay the repair shop while you pay your monthly insurance cost to them
No - insurance is for sudden and accidental damage. Routine repairs are considered maintenance and maintenance is not covered under any insurance policy.
If you are speaking of mechanical repairs the answer is no. Auto insurance is only made to pay for damages from covered accidents or comprehensive claims. Maintenance and mechanical repairs are not covered causes.
You need commercial General Liability Insurance
Just contact your Home Insurance Company and ask them about it. Many companies are fine with this for small claims or minor repairs.
after an insurance company is involed after a road traffic accident can i refuse thier offer and do the repairs myself
In my experience, in a number of countries, Auto Insurance companies will not pay for repairs unless the repair is result of an accident. Then only what the car is worth.
This answer can be very involved. Most simply, you should attempt to get your insurance adjuster and the repairer to agree on the cost of repairs. Insurance companies issue 'supplement' payment on claims regularly.
Yes, they will total it.
No. But if you have proof positive that the mechanic caused the damage, HIS insurance will cover the repairs. Call your local office of the State Attorney General.
If you want to collect the depreciation your insurance company withheld from your claim payment you must make the repairs to your home. After you make the repairs contact your insurance company and they should issue a check for the depreciation.