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Question DetailsAsked on 5/9/2017

Could I select which items to repair or replace from the total estimate to cover the deductible?

I can do a lot of the work myself if I had the parts and find the time. My concern is that I don't want to hand out $500 but I want my cars appearance to at least look close to what it did before. Most of the damage is underneath. Wouldn't it be fine to collect the full amount and inform the shop to say, leave the scuffed trim and skid plate undone and complete the rest. That alone would cover the $500 and I can live with the minor damage.

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1 Answer


Depends on how they pay the claim:

1) if they give you a cash settlement based on their adjusted claim amount for you to get it fixed, then you can fix whetever you want, or not at all - though the car value will be depreciated by the amount of the damage, and any future damage to those areas will not be covered if they are not fixed (and the repair documented).

2) if they give you payment based on a quote from an auto body shop, then not having the work done is insurance fraud in some states - in others it is legal but they can refuse to cover any futurte damage claim if the work is not done. Generally, if they pay for a repair (as opposed to just paying you the depreciated amount of the damage in settlement of your claim) and you don't get it done and keep the money instead that is fraud. That is why they commonly make the check out in the name of the repair shop.

3) if you have the shop do only part of the work that the claim payment amount is based on, that payment would have been for the quote MINUS your deductible - if the total rep[air bill is less than the quote, you have to refund the difference to the insurance company so you still end up paying the deductible you agreed to with the insurance company in your policy, or that is insurance fraud.

Answered 3 years ago by LCD

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