Q: Do I have to pay for the deductible?

A: Yes - If you are filing a collision or comprehensive claim, you have an agreement with your insurance carrier.  That policy is a contract between you and your insurance carrier and it says that you are responsible for the first portion of the repairs (your deductible) Note - Depreciation on mechanical wear items may apply also.  Ask your insurance representative if depreciation applies and what your deductible amount is!  Your insurance company is responsible for the balance after the deductible is paid.

There is a legitimate way to reduce your cost. 

​Example: You have a scratch on an alloy wheel and you are willing to live with it.  We can ask your insurance company if they will give you an "Appearance Allowance". If the negotiated appearance allowance amount is $100 and you have a $500 deductible you will owe $400 when the repair is complete!