What If the Repairs Take Too Long?

Find Law Fast Team
Aug 20
2 min read

After a car accident, waiting weeks — or even months — for repairs can feel endless. Shops may blame parts delays, labor shortages, or insurance disputes. Meanwhile, you’re stuck wondering: “What happens if the repairs take too long?”

Here’s what you need to know if your car is tied up in a long repair process.

1. Common Reasons for Repair Delays

Repairs can drag out due to:

Parts shortages (especially OEM parts).
Insurance approval delays for estimates or supplements.
High shop workload — body shops often run weeks behind.
Hidden damage discovered mid-repair.

2. Rental Car Coverage Limits

Most insurance policies provide rental car coverage — but only up to a daily and/or total dollar limit.

Example: $30 per day, up to 30 days.
If repairs take longer than coverage, you may be on the hook for rental costs.

3. Total Loss vs. Delayed Repair

Sometimes repairs drag on because the car really should have been declared a total loss.

If delays feel unreasonable, ask your insurer for a re-evaluation.
A supplemental inspection may change the status to “totaled.”

4. What You Can Do During Delays

Stay in regular contact with the repair shop and insurer.
Ask for estimated timelines in writing.
Document extra costs (rental cars, rideshares, time off work).
Push the insurer for supplemental rental coverage if delays aren’t your fault.

5. Long-Term Considerations

Extended delays can mean:

Extra out-of-pocket expenses.
Frustration and inconvenience.
Possible grounds for further negotiation with the insurer.

The Bottom Line

If your car repairs take too long, you may face costs your insurance doesn’t cover. Staying proactive — and pushing back when delays aren’t your fault — can help you minimize the damage.

👉 If your accident repairs are dragging on and you’re worried about costs, fill out our quick questionnaire. FindLawFast will connect you with the guidance you need.

Disclaimer: This article is for general informational purposes only and should not be taken as legal or financial advice. Rental coverage limits and repair rights vary by state and insurance policy. Always consult a qualified professional for guidance on your situation.