I got a check from my former insurance (I have already changed the insurance) one and half year ago after submission of my collision claim but have not had my car repaired yet. Recently, I tried to have the same damage repaired. The body shop’s estimate is higher than the insurance estimate. I contacted my former insurance about it but they did not reply. Do you know whether there is a time limit to have the car repaired after the insured received an insurance check? Is my former insurance still liable for the actual costs for the same damage? Please advise me how I should do?