What must an insured do if they wish to repair their damaged auto immediately?

To address the situation of an insured wishing to repair their damaged auto immediately, it is essential to notify the insurer prior to the repairs. This step is crucial because insurers need to assess the damage and determine the validity of the claim before any repairs are made. By informing the insurer in advance, the insured can ensure that they adhere to any policy requirements and that the repairs will be covered under the terms of their insurance. This proactive communication helps prevent potential disputes regarding coverage or costs later on.

The other options do not align with standard procedures for handling repairs under an insurance policy. For instance, filing a claim after repairs could lead to complications regarding coverage, as the insurer may not be willing to pay for repairs that have already been completed without prior approval. Similarly, simply waiting for the insurer's inspection without notifying them could delay necessary repairs and might not align with policy obligations. Obtaining written permission before repairs could theoretically be relevant, but this often emphasizes the need for prior notification rather than necessitating a formal written document, which can complicate and prolong the repair process. Thus, notifying the insurer prior to repairs ensures compliance with policy stipulations and facilitates smoother handling of the claim.