From time to time, all body shop owners are faced with requests from vehicle owners to “bury the deductible” when automobile damage is covered by collision insurance.  At this point, the owner of the vehicle should be advised that before he/she takes the vehicle around the corner to “a shop that will bury the deductible”, he/she should consider the following points:

Conspiring to “bury the deductible” is committing fraud against the insurance company and is against the law.  Insurance company appraisers know the cost of repairs as well as the body shop and cannot be fooled by inflated or incorrect repair estimates.

If a shop agrees to “bury the deductible” it has to take short cuts in making the repairs, and the vehicle owner will get a second rate repair, which depreciates the value of the vehicle.

A body shop willing to cheat an insurance company will be equally willing to cheat a vehicle owner.

A body shop never really “absorbs” the deductible. The value is taken right out of the job, so it is the vehicle owner who takes the loss.

If the body shop decides to cut corners on the job and it ends up second rate, the vehicle owner has no one to complain to if he/she conspired to “bury the deductible.”

The smart thing for a car owner to do is to protect his/her investment by getting a first class job from a first class shop and be glad that all he/she has to pay is the deductible.



1. STOP immediately, but do your best not to obstruct traffic. If your vehicle is operable, move to the shoulder of the road.

2. ASSIST anyone who is injured. Have someone call the police. Repeat after 5 minutes.

3. SECURE names, phone numbers, addresses of other drivers, witnesses, injured persons.

4. SECURE make, model, license plate numbers of any vehicle that was involved.

5. MAKE a rough drawing of the accident scene, showing position of cars and other details.

6. DON’T hastily accept a claim settlement at the scene of the accident.

7. REMAIN calm, courteous and consistent in your version of how the accident took place.

8. NOTIFY your nearest Auto Body Xperts location by calling 1-888-669-6692. If you can’t make it to one of our locations for an estimate, feel free to utilize our online estimate. <—This is a handy tool to use on your smartphone!