6/4/2025 – Demystifying the Deductible: Your Guide to Out-of-Pocket Costs After an Accident
An auto accident is disorienting enough without the confusion of insurance terms. One common question that arises is about your deductible. This guide clarifies what it is and how it typically works with auto body repairs.
What Is a Deductible?
Simply put, your deductible is the amount you pay out-of-pocket towards a covered insurance claim before your insurance company pays the rest. For instance, if repairs cost $2,000 and your deductible is $500, you pay $500, and your insurer covers the remaining $1,500.
Deductibles are set when you buy your policy, commonly ranging from $250 to $1,000. A higher deductible usually means a lower monthly premium.
When Do You Pay It?
For collision repairs, you generally pay your deductible directly to the repair shop once your vehicle is fixed and you pick it up. The shop then bills your insurance company for their share.
Remember, a deductible applies per incident, not per repair. So, for damage from one accident, you pay it only once.
Common Deductible Questions Answered
- Is it always required? Not if you’re not at fault and the other driver’s insurance is paying for damages. However, some choose to use their own insurance for faster repairs, in which case their insurer might seek reimbursement later.
- Can a shop waive it? Ethically and legally, repair shops cannot simply “waive” your deductible. It’s a binding agreement between you and your insurer. Be wary of shops that claim they can eliminate it.
- What if repairs cost less than my deductible? If the repair bill is less than your deductible, your insurance won’t pay, and you’ll be responsible for the full amount. This usually applies to very minor damage.
Understanding your deductible helps you manage the financial aspects of post-accident repairs with clarity.
5/1/2025 – The Key to a Smooth Insurance Claim: Effective Communication
Effective Communication! Filing an insurance claim after an accident can feel overwhelming, especially when responses are delayed or the process seems unclear. At Pro Collision Center, we’ve seen firsthand how clear and consistent communication can make all the difference in ensuring a stress-free experience.
Why it Matters!
Insurance adjusters handle multiple claims at once, and sometimes things slip through the cracks. Following up and keeping organized records can help prevent delays and ensure your claim moves forward without unnecessary frustration.
Real-Life Example: How Communication Solved a Claim Issue
One of our customers was struggling to get a response about her claim. Despite multiple attempts, she wasn’t receiving the information she needed. Our team stepped in, resent all necessary documentation, and ensured everything was properly received. As a result, her issue was quickly resolved. This experience highlights the importance of persistence and staying on top of the process.
Here are a few proactive steps to keep your insurance claim moving smoothly:
- Keep Records: Document all conversations, including dates, claim numbers, and the names of representatives you speak with
- Follow Up Regularly: If you don’t get a response within a reasonable time, follow up to keep things progressing
- Escalate When Necessary: If your issue isn’t being addressed, politely request to speak with a supervisor for further assistance
At Pro Collision Center, we understand how stressful dealing with insurance can be. That’s why we’re always here to help with the claims process—ensuring all necessary details are communicated effectively and that you receive the service you deserve.
If you’re ever in need of auto body repair and claim assistance, trust Pro Collision Center to guide you every step of the way.