And Other Car Insurance Deductible Questions

Summit Hail Repair is a Denver paintless dent repair shop that specializes in auto hail repair. The questions below focus on the auto dent repair & auto hail repair industry in Denver. For questions about deductibles on collision damage or damage that goes outside of the realm of minor to moderate damage, we suggest you adjust your search to “collision damage deductibles.”

What is an auto insurance deductible?

Generally speaking, an auto insurance deductible is the amount of money you have agreed to pay for repairs before your insurance company will step in and cover the remaining balance.  For example, if you have $5,000 worth of auto hail damage to your car and your deductible is $500, you are expected to pay $500 towards the repair. The insurance company will then process and pay the remaining $4,500.

How is an amount of your auto insurance deductible determined?

The amount of your deductible is determined by you and your agent when you first set-up the terms of the agreement. In general, the higher the deductible, the lower your monthly premiums are. The monthly premium is the amount of money you make to your auto insurance company to keep your coverage active.

Who do I pay my auto deductible to?

The deductible is paid to the paintless dent repair shop that you choose to do the repairs. Once the deductible is paid, your insurance company will process the remaining amount to be paid to complete the hail damage repairs.

Can you make payments on a deductible?

Some paintless dent repair shops require the deductible to be paid before any work is done on your vehicle and others will agree to be paid after the hail damage repairs have been completed. The best thing to do is inquire beforehand. Some PDR shops and auto body shops will waive the deductible.

Summit Hail Repair covers your deductible on most auto hail repairs up to $500. If the hail damage is less than $1,000, waiving the deductible would not be a possibility. The average cost of a Denver auto hail damage repair is $2,500 – $3,200. If you have questions about your hail damage or would like a free estimate to learn how much damage you have, give us a call or stop by our shop at your convenience.

Will I get the same quality of work if the auto body shop waives my deductible?

We wish we could say, “absolutely, yes” but we can only speak for ourselves and our track-record.

At Summit Hail Repair, we promise 100% satisfaction on all repairs done at our shop. All auto hail repairs come with a Lifetime Warranty. We guarantee the dents will NEVER return. Additionally, if you notice a dent that was overlooked while in our shop – we will repair it immediately at no cost….dedutible or not.

Our BBB A+ rated reputation has been built on our quality of work and how we treat our customers.

How can I avoid paying car insurance deductible on an auto hail damage claim?

Most Denver auto body shops and paintless dent repair shops will advertise this perk on their website or in their marketing literature. You can also ask when you schedule your estimate or repairs.

When will an auto body shop (or paintless dent repair shop) not pay your deductible?

If the hail damage cost to repair is less than the deductible, your deductible will not be covered. This is a question for the paintless dent repair shop that you have chosen to do your repairs.