Sometimes a collision center will offer to waive your deductible. They do this, behind the backs of the insurance companies they work with, to entice drivers to patronize their collision center for repairs. Usually this is both illegal and unethical as it cuts into the insurer’s profits. The way it works is that the collision center would over-inflate the estimate for the repair cost so that the insurer ends up paying the entire amount of the damaged vehicle’s repairs, including your deductible. This is unethical and fraudulent because it ignores the deductible amount that you agreed to in your policy.
Be wary of collision centers that offer to lower or waive your deductible. Not only is this practice illegal, it’s also risky to you, as a consumer. If they are willing to cut corners with the insurance company, they might cut corners repairing your vehicle or not give it the proper care it needs. In addition, the chances of a fraudulent collision center staying in business for the long term is slim-to-none, so don’t even think about them honoring any warranty you might have.
In general, when it comes to car insurance, you should expect to pay some kind of deductible when you get repair work done. After all, paying a deductible is what you agreed to when you signed your policy. Talk to your insurance agent to get a better idea of what you will owe when it comes time to do repairs.
If you have any questions or concerns, please call us at 480-968-5915 and we will help you get answers to your questions.