Understanding Your Insurance Deductible: What It Means for Hail and Collision Repair

When you're ready to file an insurance claim for hail damage or a collision, the word “deductible” always comes up. But what exactly is it? How much will you need to pay? And how does it impact your repair process at Comeback Auto Assist? Let’s break it down so you know exactly what to expect.

1. What Is a Deductible?

A deductible is the amount you agree to pay out of pocket before your insurance covers the rest of the repair costs.
For example, if your deductible is $500 and your repair costs are $2,500, your insurance pays $2,000, and you’re responsible for the first $500.

2. Types of Claims That Involve Deductibles

• Comprehensive Claims (e.g., hail damage, falling debris): Typically include a deductible if your policy covers it.
• Collision Claims (e.g., vehicle-to-vehicle accidents): Usually come with a separate deductible amount.

Your deductible amount is chosen when you first buy or renew your auto policy.

3. Can You Choose Your Deductible?

Yes! Lower deductibles mean less out of pocket, but higher monthly premiums. Higher deductibles reduce your monthly cost—but you’ll pay more at repair time. Most drivers choose deductibles between $250–$1,000.

4. When Do You Have to Pay the Deductible?

You’ll pay your deductible directly to the repair shop (not the insurance company) after repairs are completed.
At Comeback Auto Assist, we’ll clearly explain your out-of-pocket cost and help you understand your coverage before repairs begin.

5. Can Hail Repairs Cost Less Than Your Deductible?

Yes—if the damage is minor. In these cases, it might make more sense to pay out of pocket instead of filing a claim.
We’ll provide an honest estimate so you can decide what works best for your situation.

6. What If Additional Damage Is Found During Repairs?

If we uncover hidden damage not included in the original claim, we’ll contact your insurer for supplemental approval—without affecting your deductible, which remains the same.

7. We Help You Navigate Every Step

At Comeback Auto Assist, we work directly with all major insurance providers. Our team:

• Handles the paperwork
• Communicates with your adjuster
• Ensures your deductible is applied correctly
• Makes the process as simple and stress-free as possible

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