Deductibles

We don’t save deductibles, we save Investments!

From time to time all auto body shop operators are faced with requests from car owners to ‘bury the deductible’ when damage is covered by insurance. We would advise anyone tempted to take their car ‘down the street to the guy who will’, to consider the following:

1. Conspiring to ‘bury the deductible’ is fraud on an insurance company and is against the law.

2. Most insurance company appraisers know the cost of repairs and will not be likely to be fooled by inflated estimates.

3. If a shop agrees to bury the deductible, the amount involved does not come out of the shops profit, but is a result of some part of the repair not being done, or a part is repaired instead of replaced per the estimate. Either way, the vehicle may then be rendered unsafe and will have a depreciated value at the time of sale, trade or end of lease.

4. A body shop willing to cheat the insurance company will be equally willing to cheat the vehicle owner. The owner of the vehicle takes the loss by receiving less value than expected.

5. If the body shop decides to cut corners on the job and it ends of as a second rate repair, the vehicle owner has no recourse to the insurance company or the shop.

The wise thing to do is to protect your investment by opting for a professional, accurate repair at a well equipped and staffed facility specializing in collision repair.

It’s not wise to pay to much, but also unwise to pay too little. When you pay too much, all you lose is a little money, when you pay too little, you may have an unsafe vehicle and put your family in harms way.

The common law of business balance prohibits paying a little and getting a lot, it can’t be done. If you deal with the lowest bidder, it’s better to add something in for the risk you run, then you may have enough to pay for something better.