Car Insurance Claims – Are They Paying You or the Repair Shop? One of the questions that often comes up when dealing with car insurance claims is, does your auto insurance pay you or the repair shop? This is largely going to depend on how you elect if choose preferred shop & the particulars of your insurance policy.
Payment Process
Normally, your insurance will pay for the repairs if you take it to a preferred repair shop out of their pocket directly.car insurance claims (ad) That way you won’t get a check from the insurance company, but rather just have to pay for your deductible. This plan means less hassle for you, as the repair shop cares of all (or most) the paperwork and back-and-forth with your insurer so that repairs are done quick and free upfront13.
Choosing Your Repair Shop
As a general rule, you can choose any repair shop that you wish. Choosing to visit a non-preferred shop will result in alternate payment procedures. In other instances, your insurer may issue you a check after you file the claim that can be used as payment to repair shop (ex. if poor quality parts are requested). This may result in you coveringthe costs and seeking reimbursement24 later.
Impact of Deductibles
No matter what form of payment you use, know what your deductible is. That is the sum you have to burn through coming up and after that your Insurance inclusion kicks in. So let us assume your repairs cost $2,000 with a deducible of $500; that would mean after you paid the deductible 5^ (..ngo they will cover onlyOT) Your insurer is covering only $1,500. This can allow you to save for what might happen after an accident.
In conclusion, insurance companies will typically pay the preferred repair shops directly while policyholders choose their own and individuals get checks for repairs on other occasions. This knowledge is useful for keeping one’s calm in traumatic situations such as accidents.
