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A body shop working with an insurance company will not pay off or discount your deductible amount. It would be unethical.

If you read through your insurance policy, you will see that it says that you are responsible for paying the first portion of a repair bill as a deductible. If the cost of repairs comes in less than the estimate, you are still responsible for the deductible amount. Any savings legitimately belongs to the insurance carrier.

Repair shops should not try to hide or pay your deductible for you. This would be considered insurance fraud and penalties for insurance fraud are usually quite severe.

To find out about a specific situation and your state’s insurance laws regarding this topic, contact your state’s insurance regulator.

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author-img Laura Longero Editor-in-Chief
Laura Longero is the editor-in-chief of CarInsurance.com and a Nevada-based insurance expert. With more than 15 years of experience simplifying complex financial and insurance topics, she provides clear, trustworthy guidance to help drivers make confident coverage decisions. She serves as a media spokesperson for CarInsurance.com and has been featured in Consumer Affairs, MotorTrend and Business Insider, and completed the pre-licensing course in Personal Lines Property & Casualty Insurance.
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