Why is our car insurance sending us a check after getting our vehicle repaired?

"I paid my insurance deductible to the repair shop after I got my car fixed. The insurance company also sent my mom a check for repairs. Why are we getting money?"

Answer
“A deductible for your collision insurance or comprehensive insurance is the amount you are responsible for before an insurance company will pay for any damages.
If the insurance company is sending a check to your mom, it’s because you still need to pay for the repairs on the vehicle or you’ve already paid for them.
Most insurance companies work directly with repair shops and will pay them after a vehicle is fixed. Occasionally, a policyholder may pay the repair shop out of pocket and then get reimbursed or be responsible for paying the repair shop with the amount the car insurance has sent.”
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Emily Maracle
Answered on Jul 26, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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