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"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?
"
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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- Gregory R.
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