Collision on Insured Car: how to Deal with Partially Repair?

Originally Posted by YMichurin

My insured car registered in Ca state. $1K deductible. What if I need to repair 2 of 4 damaged parts in collision? Other 2 are slightly scratched so I can live with it. The idea is to save money. Can I come to body shop ask them to fix 2 parts only, while get full cost of repair minus deductible from my insurance company? Thanks

I'm not sure I understand your post.

If you I assume the collision was your fault. If that is the case then you are going to be required to pay your deductible and the insurance company will pay anything beyond the deductible to repair the car. There is no reason not to get everything fixed unless those repairs are below your deductible and you do not want to involve your insurance company. If you have to involve them, then you need to get everything repaired and cough up your deductible.

If what you're asking is if the body shop can 'hide' your deductible then the answer is NO. The body shop might be willing to do it, but if they do, then you and the body shop are committing fraud, which is a felony. Is it worth risking a felony to save a few bucks? I hope your answer is 'no'.

If I didn't answer your questions then please repost and be more specific and I'll be glad to provide more specific answers.

Source: http://www.insurance-forums.net/forum/auto-insurance-forum/collision-insured-car-how-deal-partially-repair-t51785.html

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