What is the deductible?

This is the amount that you have chosen, when you purchased insurance, to be responsible. Your Insurance company will not cover this amount. If you have a $500 deductible, and your vehicle damages are $2500, your insurance company will pay $2000. You are responsible for the first $500.

What if the total damages are less than the deductible?

No payment can be made by the insurance company because you agreed to be responsible for any damages up to the amount of the deductible.

Does the deductible apply even if I am not at fault in the accident?

Not if the other vehicle owners insurance company pays. If not then the deductible will be applied in all cases.

Is there any way that I can recover the deductible?

Yes. Subrogation by your insurance company may result in recovery of your deductible, or small claims court action can be taken.

How long does it take to recover my deductible?

Unfortunately, actions of another insurance company can not be controlled, Your insurance company claims representative can assist and are experienced in helping drivers recover their deductable.

What if my repairer says he cannot repair the damage for the amount of the company's estimate or if additional damage is discovered for which no allowance was made?

A supervisor of the insurance adjuster that inspected the damages should be notified for adjustment. This not uncommon because often all of the damage cannot be seen until parts are removed.

Who will repair my car?

You may choose any repair facility convenient for you. But we hope you choose Wayside Auto Repair a family run Auto Shop centrally located in Queens NY

What should I do if I am not happy with the way my car is repaired?

You should discuss the problem with the shop owner. They will be more than happy to discuss all problems.

Why must the lien holder be included on my payment draft?

Both you and the lien holder are listed as payees in your insurance policy as you both have a financial interest in the life of the vehicle.

What is betterment?

This is the dollar amount taken off the new cost of certain parts, which normally wear out, and are replaced during the life of the vehicle.

Why is the repair shop named on my check?

If you signed a "Direction to Pay" for the shop, their name may be on the check.

Who do I contact if I have other claim questions not related to this estimate?

Call the claim representative at the insurance company.