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At Coats Auto Body & Paint, we know that dealing with insurance claims can be confusing—especially when it comes to deductibles. Here’s a simple breakdown to help you understand how they work when repairing your vehicle.
What Is an Insurance Deductible?
A deductible is the amount you’re responsible for paying out of pocket before your insurance covers the rest of the repair cost. For example, if your total repair bill is $2,500 and your deductible is $500, your insurance company will cover $2,000, and you’ll pay the remaining $500 directly to us.
When Do You Pay Your Deductible?
Your deductible is due when you pick up your repaired vehicle. It is not paid to your insurance company but directly to the repair shop.
Can a Shop "Waive" My Deductible?
No, reputable body shops, including Coats Auto Body, cannot legally waive your deductible. If a shop offers to do so, it may indicate fraudulent activity or corner-cutting repairs.
How to Lower Your Out-of-Pocket Costs
Choose the right insurance plan: Higher deductibles often mean lower monthly premiums, but you’ll pay more if an accident happens.
Know your policy: Some policies offer deductible forgiveness for certain situations, like accidents that weren’t your fault.
At Coats Auto Body & Paint, we’re here to guide you through every step of the repair process. If you have questions about your insurance claim or deductible, give us a call or stop by our shop in Raleigh, NC!
🔧 Need collision repairs? Get a free estimate today!
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