As a driver, few things are more important than having a quality insurance plan to soften the financial blow if you have an accident. When you bring your vehicle to an auto body repair shop, it is important to understand how claims and deductibles work. Learning about these important processes ensures you know what to pay out of pocket and what the insurance company will cover.

A Guide to Paying Deductibles at an Auto Body Repair Shop

Filing a Claim

After an accident happens, you need to exchange insurance information with the other driver involved, so you can file an insurance claim and go to a shop for auto body repairs. An insurance adjuster will evaluate the vehicle to determine what the company will pay for repairs. The amount you receive will depend largely on the level of coverage you have, who was at fault for the accident, and the estimated cost of repairs.

Paying Your Deductible 

Your insurance deductible is the amount of money you must pay out of pocket before the insurance company covers the cost of auto body repairs. This amount varies based on your driving history and level of insurance coverage.

If you were not at fault for the accident, the other driver’s insurance company will cover the full cost of repairs if they have liability coverage. However, if you were at fault, you will need to pay your deductible amount to the body shop. The deductible will be owed after the repairs are completed. 

Understanding how deductibles work can help you save money—and so can working with an affordable, reliable auto body repair shop. Drivers in Lincoln, NE, trust Miracle Workers Auto Collision Center to help them recover after an accident. Their team is backed by 30 years of experience in a wide range of auto body solutions, so you can feel confident that you’re getting the best prices on high-quality work. For more information about their services, visit them online or call (402) 474-7355.