When do I pay my deductible?

The deductible is the first payment on any claim if you are going through your own insurance company.  If you are hit by another party and going through their insurance company there will be no deductible.  The deductible is collected the the time you pick up your vehicle by the body shop.  You  will also be required to pay the body shop any and all payments already paid to you by the insurance company for the repairs.  Checks covering supplemental damages are usually paid directly to the body shop.  Finally, you will also be required to pay for any additional services you request of the body shop; such as oil change, etc and any betterment charges passed on to you from the insurance company during the repair.