A deer ran into mom's car, what does she need to do next?

My mom was coming home from work %26amp; a deer ran into her truck. She got an estimate from her insurance comp yesterday for $555. They wrote out a check to her %26amp; the finance company where her loan is. They said they done this because they are the lien holder. How does all this work? My father in law will probably fix it. Does he need to do an estimate also? What if the damages are more than $555? Will the finance company keep the check or send it to the body shop?A deer ran into mom's car, what does she need to do next?
They normally write the check both to the lienholder AND the policyholder.





However, once the work is complete, the lienholder will sign the check over to the bodyshop. If your father-in-law is doing the work, unless he is a body shop, they are going to want to see the car to make sure all the repairs were done.





If the cost to repair is more than $555, the body shop will call the adjuster and advise that they found hidden damage and the adjuster will either come out and re-appraise the car or will get an agreed price with the body shop to do the additional work.A deer ran into mom's car, what does she need to do next?
Start up the BBQ pit!!!!!
Oh deer!!!!
Get the BBQ warmed up.
If it's not too bad she can just keep driving. Hopefully she is close enough to a car wash.
Get the deer's insurance information.
Once the damages are repaird, the leinholder should have no problem signing off on the check. It's small enough that they might do it beforehand.





If damages are MORE than $555, you can put in a supplemental request. If your FIL is a real body shop, it's not a big deal. If he doensn't do this professionally, well, then you could be looking at some problems, as the insurance company ISN'T going to pay to fix his shoddy work.