Hopefully someone can point me in the right direction here.

I had an accident on my vehicle and called my insurance company. My rep referred me to a body shop 25KM from my house, I thought this was very fishy but I agreed.

This shop made me sign documents regarding repair to the vehicle and insisted that they will not do an estimate of the vehicle until the papers are signed, so I signed them to speed up the process.

Today I called back my insurance and my rep was not available so I spoke to a new person, he was puzzled that I was sent so far as there is an authorized body shop less than 5KM from my house.

Its been a week without a call, and today I finally reached out to the insurance company, and they informed me the estimate was 8500$ of repairs, and that they will be following through with a repair for the vehicle instead or claiming a total loss and using my replacement cost insurance. (In Quebec Canada total loss is seemed to be deemed when the cost of repairs exceeds 80% of the cost of the vehicle). All book values I have seen point that my car is not worth more than 10,000$.

I am now fighting with the company to get an estimate from a third party company because it seems they believe 8500$ does not exceed this 80%.

However, here is my main question. The documents this body shop made me sign mentions that they have the right to go to the insurance and ask them for payment for the repairs. Am I still allowed to ask my insurance to take my car back? I feel like they are fishy and I am getting scammed....

I know the post is long but any advice from someone who knows law would be greatly appreciated.
user
Is it my insurances fault if they authorized repairs on
assistant
Hopefully someone can point me in the right direction here.

I had an accident on my vehicle and called my insurance company. My rep referred me to a body shop 25KM from my house, I thought this was very fishy but I agreed.

This shop made me sign documents regarding repair to the vehicle and insisted that they will not do an estimate of the vehicle until the papers are signed, so I signed them to speed up the process.

Today I called back my insurance and my rep was not available so I spoke to a new person, he was puzzled that I was sent so far as there is an authorized body shop less than 5KM from my house.

Its been a week without a call, and today I finally reached out to the insurance company, and they informed me the estimate was 8500$ of repairs, and that they will be following through with a repair for the vehicle instead or claiming a total loss and using my replacement cost insurance. (In Quebec Canada total loss is seemed to be deemed when the cost of repairs exceeds 80% of the cost of the vehicle). All book values I have seen point that my car is not worth more than 10,000$.

I am now fighting with the company to get an estimate from a third party company because it seems they believe 8500$ does not exceed this 80%.

However, here is my main question. The documents this body shop made me sign mentions that they have the right to go to the insurance and ask them for payment for the repairs. Am I still allowed to ask my insurance to take my car back? I feel like they are fishy and I am getting scammed....

I know the post is long but any advice from someone who knows law would be greatly appreciated.
user
My insurance is trying to sell me a vehicle and
assistant