09/23/2026
Let’s say someone clips your car in a Kansas City parking lot and leaves you with a dent, no note, and a whole lot of irritation. The body shop says the repairs will cost $4,500, and your collision deductible is $500.
Your insurance company may pay $4,000 toward the repair, leaving you responsible for the remaining $500. In most cases, you will pay that amount directly to the body shop before you pick up your vehicle.
So when we say you have to “pay your deductible,” that does not necessarily mean you are writing a check to the insurance company. It usually means you are covering your portion of the repair bill.
Learn more about deductibles and how they work.
https://abbottkc.com/how-insurance-deductibles-actually-work-in-real-life/