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When you purchase an insurance policy from an agent you make several decisions at that time.
One of those decisions is how much you want to pay before the insurance company starts to contribute to the cost of the repairs if you were to wreck your vehicle.
Deductibles can range from $0 to $2500.00.
Of course, the higher the deductible the cheaper the monthly premium will be. Look closely at the amount of the deductible so you can decide if you can afford it if you have an accident. The draw back to a higher deductible is that you will pay for any amounts that are up to the threshold of the deductible. The contract is legally binding with the insurance company so they expect that you will pay the full amount of what you owe.
If a shop inflates an estimate to help cover the deductible it is insurance fraud. It can be investigated by a government agency known as the insurance crime bureau.
You may think you are getting away with something because they work in the background most of the time and you don’t hear much about them but you’re not. They are very smart, have seen it all, and are hard to fool. They can and will prosecute anyone who commits insurance fraud.
Honest shops don’t go that route so please do not ask any of the member shops of Your Hometown Body Shop to break the law in any way.
If you have any questions or concerns about your deductible, please contact one of the members of Your Hometown Body Shop. We would be happy to assist however we can.