Can you make a car insurance company fix you car?
I heard on the radio a few months ago. That if someone hits you that the other company can't toddle out your vehicle. That you did not sign the paper that the rules and regulations they have do not apply to you. That if you tell them you don't want them to toddle it out they can't. Is this true?
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No. You heard wrong. A third party insurer still has the right to TOTAL your car (not "toddle"). It has nothing to do with a contract. If they're paying for the loss, they must do whatever is required by law. And the law says if your car is damaged to the point where it is no longer economically viable to repair, then the insurance company must total it.
True that they cannot hold you to a contract that does not involve you but tort law and state law applies. What the other person owes you is up to the market value of the vehicle. If you want to keep the vehicle then they can also deduct the salvage value. Some states require an insurance company to report the vehicle being a total loss so that the title can be changed to a salvage title. You have no control over this.
NO, This sounds like a teenager urban myth.
Sorry no, an insurance company never has to give more than the "book" value of your car, which is often less than most owners think.
Also, totaled not "toddle".
Wrong. A contract exists between an insured and their insurance company. In that contract, the insurance company may, at their discretion, repair a damaged vehicle or declare it a total loss. It is not the insured's decision.
What's toddle?
Toddley not true.
no