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Does the Insurance Company Pay Me or the Body Shop?

Andy Mohr Collision Center Blog

Posted: June 9, 2020

Following a collision, you probably have a lot of questions involving the repair process. At Andy Mohr Collision Center, our team is here to put your mind at ease and provide you with the support you need to get your car back to the roads of Plainfield, Indianapolis, Fishers, and Bloomington, IN, quickly.

You might be wondering if the insurance company pays you or the body shop, and we’re here to answer all your questions.

Who Pays for Collision Repair?

After an accident, you need to call your insurance company and make a claim. From there, they will work to determine fault. Whether or not you are found at fault for the collision, you will most likely have to pay a deductible.

A deductible is determined between you and your insurance company and is essentially a down payment before your insurance covers the rest. For example, if your plan has a $500 deductible, you will pay that amount to the body shop, and your insurance will handle the rest.

Who Does the Insurance Company Pay?

Even with having a deductible, you may be wondering if you’re responsible for the full amount of collision repair upfront or you just have to pay the deductible. Typically, the insurance company will pay the body shop directly, meaning you are only responsible for the deductible when you go to pick your ride up. Every plan is different, though, so it’s best to ask your insurance company for specifics when you’re making your claim.

What if you are deemed not at fault for the accident? In situations where the other driver was at fault for the collision, they may be responsible for your deductible as well. In these instances, you’ll typically have to pay the body shop for the deductible up front and later the insurance company will send you a check for reimbursement. Once again, every situation is different, so always stay in contact with your insurance company and reach out with any questions.

Why Visit Our Collision Center?

If you’re looking for a body shop to repair your vehicle following an accident, check out our collision center. Some of the services we provide include:

  • Headlight and taillight replacement
  • Scratch and dent repair
  • Front and rear bumper replacement
  • Door replacement
  • Air bag replacement

We want to make the collision repair process as simple as possible, so we can work with local towing companies and provide you with a car rental as needed.

Reach out to us today to schedule an estimate, and we’ll happily answer any other questions you may have. Our team has years of experience working with a range of insurance companies and can help you get back to the road quickly.

Visit Our Body Shop Today!

If you’ve just been in a collision, you need to know you’re getting the support you need throughout the repair process. Trust our team at Andy Mohr Collision Center to get the job done. See you soon, Plainfield, Indianapolis, Fishers, and Bloomington, Indiana!

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Andy Mohr Collision Centers