"Can you help me work out if the numbers for car repairs make sense under my insurance policy? "

"I was in a fender bender, and the insurance company said that I have a $500 deductible that I need to pay directly to the shop when the repairs are done. They wrote a check to my mom already for $2,100, but the repair shop said the repairs will cost $1,900 total. This doesn’t add up. Is this right?


Answer provided by
Shannon Martin
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“The car insurance company pays for the damage, which is calculated by an auto damage adjuster and is part of a written estimate of repair. The insurance company pays the amount that the adjuster calculates is necessary to repair the vehicle, minus your deductible. So you pay the deductible directly to the shop.
It appears that the repair shop may be doing the repairs for less than what the insurance company estimated. This could be due to a difference in the cost of parts or the cost of labor.
If the shop is able to do the repairs noted in the estimate for less than the expected cost of $2,100, this may save you some of your deductible. In that case, it is essential to make sure that all repairs noted in the estimate have been completed in the event of a future claim.

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