Why the At-Fault Insurance Company Is Delaying Your Repair
The at-fault driver's insurance company does not work for you, and they have no contract requiring them to resolve your claim quickly. They often delay repairs by claiming they need to speak with their policyholder, perform a prolonged liability investigation, or verify policy limits before authorizing any payments. While they stall, your vehicle sits damaged, potentially racking up daily storage fees if it is stuck in a municipal impound lot or tow yard in North Phoenix or Deer Valley.
File Through Your Own Collision Coverage to Speed Up the Process
If the other insurer is unresponsive, the fastest way to get your car repaired is to file a claim under your own collision insurance policy. Your insurance company is contractually obligated to handle your claim promptly, meaning they will pay for the repairs, minus your deductible, and then pursue the at-fault driver's insurance carrier to recover the costs later. While policy terms and state laws vary, and this information does not constitute legal advice, utilizing your own coverage is often the cleanest way to bypass third-party stalling tactics.
Move Your Car to an Independent Shop Immediately
Do not let your vehicle sit in a storage lot or an insurance-designated clearing yard while insurers argue over liability. Municipal and private storage fees in the TSMC corridor, Anthem, Cave Creek, and Scottsdale can accumulate to thousands of dollars very quickly, which the insurance company may later refuse to cover. You have the absolute right to choose your repair shop in Arizona, so moving your vehicle to an independent, family-owned shop stops the mounting storage fees and ensures your vehicle is in the hands of professionals who advocate for you, not the insurance company.
If your car is stuck in a Phoenix tow yard or you are dealing with an insurance runaround, call Airpark Auto Collision at (602) 600-7825. We specialize in pulling vehicles out of impound and storage yards fast, and we never participate in insurance direct repair programs—meaning we answer to you, not the insurer.
- Contact your own insurance agent to discuss initiating a subrogation claim.
- Instruct the current storage facility that you are releasing the vehicle to your chosen independent shop.
- Avoid signing any authorization forms from the at-fault insurer's preferred repair shops.
- Request a detailed, itemized list of any storage fees already incurred to protect your financial interests.