The company will pay the body shop the amount to fix the car less the deductible so they do not lose any money. But unless your state law requires a shop to collect an insured s deductible you have no.
Once it s fully repaired you ll then pay the body shop the 500 deductible to pick up your car.
Insurance deductible body shop. In many cases the body shop will then complete the work and a client can simply go down to the shop when the work is completed and pay the deductible to the repair shop rather than to the insurance company itself. Not everyone has a 500 00 deductible. 10 000 00 in damages with a 1 000 00 deductible means you pay only 500 00.
Sometimes deductibles can be waived on an auto insurance policy but it is not always clear when this is an option. Deductibles are determined when you apply for your insurance coverage. You may have a waiver on your policy and not even know it.
We are auto body shop in baltimore. However let s say the body shop did not over inflate the estimate to cover the deductible. When the repairs have been completed the customer owes the auto body shop 500 00.
Often body shops waive deductibles over billing an insurance company or by writing the repair order differently that the work is done. Body shops waiving deductibles often add the cost to the final bill. Normally a body shop that works with an insurance company will not pay off or discount your deductible amount.
Any agreement between a private party and the body shop is between them. Be sure to read your policy or contact your agent to verify the amount of your deductible. Deductibles can be from 250 00 and up.
This would seem unethical in that it would appear they would just over inflate the estimate to cover your deductible amount so that the insurance company ends up paying the entire amount for repairs which is not right since you agreed to a deductible amount in your policy. For example if your vehicle has 5000 00 in damages and you have a 500 00 deductible you will not have to personally pay anything. Your insurance company will pay the body shop 1 500 that it the total damages minus your deductible to repair your car.
We can do auto body work and restore your car according to your budget. Sometimes the auto body shop will waive the self insurance and sometimes insurance policies have scenarios waivers where deductibles do not apply. We offer special deals and rates for people looking for auto body repair without insurance.
Insurers will say that collision repairers waiving a consumer s deductible equals insurance fraud. We are collision shops that pay deductible and will repair your car according to the estimate and standard specifications. If you have a 500 00 deductible and 2500 00 in damages you will only have to pay 250 00 of your deductible.
Both of these are fraudulent.