The short answer
The shop's garagekeepers legal liability policy is primary — file with them first. Your auto insurance is a backup. Improper repair damage (transmission installed wrong, engine damaged during service) is a legal claim against the shop, not typically an insurance claim on either side. Theft from a shop lot is covered by their garagekeepers, and by your comprehensive if theirs denies.
Frequently asked
- What if the shop refuses to pay?
- File a complaint with your state DMV or attorney general and pursue small claims for damage under $10K.
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