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Q

My car has been repaired, when do I pay my deductible and to whom?


A

When you pick up your repaired vehicle, you pay your deductible amount directly to the repair facility. If a settlement payment is being made directly to you, the insurance company will subtract the deductible from that amount.

A deductible by definition is the amount of the loss which you, the insured, is responsible to pay before benefits from the insurance company are payable. The insurance company pays the remainder of each covered loss up to the policy limits.

So the deductible amount is what you pay out of your own pocket before your insurance policy kicks in. Thus you pay the repair shop your deductible amount and then your insurance company, who has accepted the claim, should pay their portion to the repair shop.

If instead your vehicle was totaled out in an accident then your deductible would normally be deducted from the settlement amount your insurer would be paying you for the actual cash value of your vehicle.

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3 Responses to "My car has been repaired, when do I pay my deductible and to whom?"
  1. Visitor

    I was clueless before reading this. Thank you. Straight to the point, agreed!

      Reply»  
  2. Atul Bhosale

    Answered my question in full. I always thought you pay the deductible to the insurance company, and that's why they pay for the damages. I'm dealing with a body shop that revived a $5000 dollar check.

      Reply»  
  3. Anonymous

    It answered my question straight and to the point, no extra crap that I didnt need to read!

      Reply»