Do I have to fix the whole car after an accident?

My car was hit in the parking lot, causing damage to bumper and stability bar. I just want the bar fixed for safety , don't care about the cosmetic.

Answer:

It depends.

If you have collision and your own insurance company covers the damage, then you will have to cover the entire care if you have a car loan that is not paid. If, on the other hand, your car is paid for, then you don't have to fix the entire thing. Please see http://www.auto-insurance-claim-advice.com/Financial-Responsibility.html

If the insurance company of the person who hit you is paying for damages, then they simply have to pay you for them. You decide what to do with he money.

Good Luck,
http://www.auto-insurance-claim-advice.com/