Payments and Deductibles

Property Damage – Table of Contents

  1. Introduction
  2. Getting Your Vehicle Repaired
  3. Dealing with a Total Loss Vehicle
  4. Rental Car Issues
  5. Payments and Deductibles
  6. Insurance Company Fairness
  7. Personal Injury Claims and Other Losses
  8. Tips for Dealing with Insurance Adjusters

Payments and Deductibles

Do I have to pay a deductible for my collision insurance coverage?

If you file your property damage claim with your own insurance company, then, yes, you will normally be required to pay the deductible for your vehicle repairs.

Do I have to pay for a rental car?

If the other driver is at fault and you file your property damage claim with that person’s insurance company, they are required to pay for a rental car for you.

If you file your property damage claim with your own insurance company, they are required to pay for a rental car only if your policy includes that specific coverage. If you don’t have that coverage, then you are responsible for the cost of a rental car.

Why do I have to sign over an insurance check to the auto repair shop?

This is usually the case when you still have an outstanding balance on your auto loan. To protect its interests in the collateral for the loan (your vehicle), the bank or finance company will require that the repairs actually get done. Having you sign over the check to the auto repair shop ensures that the repairs are made.

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