Had an Accident?
Understanding Your Auto Insurance Deductible
When filing an insurance claim after a collision, you will likely encounter your policy deductible. Knowing what a deductible is and how it applies helps you plan ahead for your vehicle's repair. Kuroda Autobody works with drivers across Oʻahu to make the payment and pickup process straightforward.
How deductibles work
What Is a Deductible and How Does It Work?
Your deductible is the specific amount your insurance policy requires you to pay toward a covered repair before your insurer covers the remaining eligible costs.
Set by Your Policy
Your deductible amount is determined when you sign up for your insurance policy, not by the repair shop.
Paid at Vehicle Pickup
Deductibles are typically paid directly to the repair shop when you pick up your fully restored vehicle.
Confirmed by Your Insurer
Your insurance agent or adjuster is the best resource to confirm your exact deductible amount and how it applies to your specific claim.
Deductibles FAQ
Frequently Asked Questions About Deductibles
When do I pay my insurance deductible?
Your deductible is paid directly to Kuroda Autobody when your vehicle repairs are complete and you pick up your car.
Who determines how much my deductible is?
Your insurance company and policy terms determine your deductible amount. Kuroda Autobody does not set or collect fees for your insurance deductible until the final vehicle pickup.
Do I have to pay a deductible if the accident was not my fault?
It depends on liability determinations and your insurance coverage. Your insurance adjuster can clarify whether your deductible applies or if it can be waived through subrogation.
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