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Costs and Deductibles?

This is the amount that you have selected to be responsible for before your auto collision or comprehensive coverage's can be used when a claim is filed. Deductibles are only applied to your own vehicles. There is no deductible for damages you've caused to vehicles not listed on your policy.

If you have a $500 deductible, and your vehicle damages are $2,500.00, your insurance company will only issue a check for $2,000.00 to you or your repair shop. Your insurance company will require you to show you have paid your deductible in full and if not an explanation of why you didn't. This protects you the consumer. *Most times if someone else is found at fault for your accident your insurance coverage will help you recover your deductible. This is called subrogation. You must have proper documentation and allow your insurance company to do this.

What if the vehicle damages to my car are less than the deductible?

No claim will be registered or paid out. Be absolutely sure there are no internal damages that might be found after a complete dismantling or inspection. A preliminary estimate may not be complete and your total damages may be over your deductible. In that case your insurance company may argue you did not uphold your policy, by not allowing them the opportunity to inspect your vehicle at the shop.
What if I damaged someone else's vehicle?
You may pay for their damages out of pocket or can put in a claim with your own insurance company. Your insurance liability coverage will pay for the other person's damages with no deductible or payment required by you at this time.

Is there a deductible if I am not at fault in the accident?

If the other vehicle owner or their insurance company agree to pay for your damages there is no deductible required from you. Most times they will also allow a rental vehicle for you or compensation called loss of use.

What happens if my repair shop does not agree with the offer made by an insurance company to repair my vehicle?

You should call your agent or a claims supervisor of your insurance company and have them explain the terms of your policy. If you feel the insurance company is being unfair or unreasonable you may contact the New York State Insurance Department, 212-480-4693, or the attorney general and file a formal complaint.