IANAL, however in my opinion (depending on country/laws), the repair shop
would be responsible for a poor repair job, as it was them who carried out
the repair, not the insurance company. Of course, you would need to report
it within a reasonable time period, depending on what is actually wrong with
The main factor you need to consider is who directly paid the repair shop
for the repairs, as it is them who have the contract of sale with the repair
shop for poor services provided. So, if the insurance company paid you and
then you paid the repair shop for the repairs, then it is you who has the
contract of sale with them. However, if the insurance company paid them
directly, then it is them who actually have the contract of sale with the
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