Keep in mind that when buying a car on credit, the money gets either the official service station or the bank, but not you. If the service station does not have to pay for repairs of their funds, and if the transfer is made to the bank, then the repair will have to pay from your pocket. The bank, in turn, will take into account the payment received as repayment of principal and interest on the loan, in the case of voluntary insurance money received by you. Find out how the insurance company pays compensation: by transferring money to your account or in cash. In general, you should have chosen the best insurance company, and if you are not aware of what they are, you can find out about it here https://joywallet.com/best-car-insurance-companies/