I'm no expert but wherever the vehicle is being kept ie the body shop or recovery place it should be off the public highway or if anything happened they would surely be responsible for it.As they are responsible for it while in the custody they would make sure it was in a secure location or compound.
Apparently you do not have to use your insurance companies"preffered insurer either.Saw that on a tv programme about the rip offs going on.
Just my thoughts on this.
Regards Brian.
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