With inflation on the rise after an accident, a lot of people want to go through there insurance company but do not want to pay the insurance deductible.
For many years now, insurance companies have mislead there customers to believe that an autobody shop saving their deductible was doing something illegal.
Most insurers relayed this information to their customers so that they could control claim cost’s by sending the insured’s vehicle to a direct repair program shop, picked by the insurer.
These direct repair shops cut secrete deals with the insurance company to charge controlled amounts for repairs as long as the insurer kept feeding them a high volume of jobs.
After reading this article, you will be one of the few educated consumers that is wise to this conflict of interest.
These direct insurance company repair autobody shops will almost never help there customers with there deductibles, one because they feel that they have so much volume that they don’t need to take good care of there customers. Two because of the agreement they have made with the insurance company they simply do not have enough profit margin in the job to do so.
The following are some commonly asked or wondered questions about Auto Repair Shops that Pay Your Deductible For You.
IS IT ILLEGAL FOR A BODY SHOP PAY MY DEDUCTIBLE?
NO! Body shops that want to help there customer out and cover there deductible are free to do so by New York State Law. Remember this, the body shop only has an obligation to you the customer, not the insurer and can Waive, Save, Pay, discount your deductible.
WHAT IS A DEDUCTIBLE?
If you are involved is an accident with your vehicle and you decide to go through your insurance company to have your vehicle repaired, the policy or contract with the insurance company was established with you being responsible for an agreed amount (your deductible). This deductible is a portion of the claim that you will be responsible to pay the body shop. Usually the higher your Deductible, the lower your premiums will be.
DO YOU PAY THIS INSURANCE COMPANY YOUR DEDUCTIBLE?
NO. The deductible is paid directly to the autobody shop that you choose to repair your vehicles body damage.
As a courtesy to our customers, we are almost always able to save you from paying your deductible. When in doubt just stop in to show us the damage and we can tell you on the spot if the damages on your vehicle qualify to waive your deductible.
Basically, the more damage on you vehicle, the higher the probability is that you wont have to pay the deductible.
WHAT DEDUCTIBLE SHOULD YOU CHOOSE WHEN PURCHASING AUTOMOBILE INSURANCE?
We recommend choosing a deductible some where mid range, $500-$1000. You do not want one that is to high because then if you have small damage on your vehicle, you won’t be covered until the repair cost as surpassed the deductible amount.
If you have a lower deductible, you will have less chance of not having a small damaged claim covered by the insurance company.
Even, if you have a high deductible, we are able to cover it 99% of the time, without cutting corners on the repairs of youR car, we always use new original parts, never used or aftermarket.
CAN COVER YOUR DEDUCTIBLE?
YES. We will use so of our profit margin to cover the cost of your insurance deductible. East Collision goal is to create the best possible experience for you as our customer.
Questions about the repair process or your deductible? Call us at (718)994-4900