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Do I pay the shop or the insurance company

In most cases the insurer pays the shop for the covered amount and you pay your deductible to the shop. If the insurer sends you a check, you may be responsible for paying the shop the full bill.

EstiVerify helps you understand if the insurer payment will actually cover the real repair cost.

Why did the insurance company send me a check instead of paying the shop

Sending the check to you gives them an easy out if the repairs cost more than their estimate. They can say they already paid their part.

EstiVerify checks whether that check matches a realistic repair amount.

Why is the shop asking for more money than the insurance check

If the insurer underpays the estimate, the shop will bill you for the difference unless they agree to eat the loss or cut corners.

EstiVerify identifies all the missing labor, parts, and procedures that created that difference.

Can the shop start repairs before insurance pays

Some shops will, some will not. Many wait for approval and proof of payment to avoid working for free.

EstiVerify helps you see how far off the approval is from a proper repair plan.

Why does the insurer say they already paid all they owe

They base this on their own estimate, not on what your vehicle actually needs. If that estimate is low, their statement is misleading.

EstiVerify compares what they paid with what a complete repair should cost.

Who do I pay my deductible to

Most of the time you pay your deductible directly to the repair shop. The insurer pays the rest of the covered amount.

EstiVerify shows how a low estimate can make your deductible feel larger than it really is.

Why does it feel like I am paying more than my deductible

If the estimate is underpaid or key items are denied, you may end up paying the difference plus your deductible. That makes it feel like you have two deductibles.

EstiVerify identifies those underpaid items before you are stuck with the bill.

Why did they subtract my deductible from the check they sent me

When the insurer pays you directly, they usually remove your deductible amount from that check. You then pay the shop the full bill.

EstiVerify helps you see if that check plus your deductible will be enough for a real repair.

Can the shop waive my deductible

Some shops offer deductible help, but it can involve cutting corners or moving money around on the estimate. This can create problems later.

EstiVerify shows where those shortcuts usually land in the repair plan.

Why is my deductible the same even if the damage is huge

Deductibles are usually a flat amount, not a percentage. That amount comes off the top of the covered claim no matter what.

EstiVerify focuses on everything above your deductible that the insurer should be paying.

When will I actually get paid for my claim

Payment timing depends on whether they are paying you, the shop, or a lien holder. Delays can happen at every step.

EstiVerify helps you spot delays caused by low or incomplete estimates.

Why is the shop waiting for payment before ordering parts

Parts can be expensive. Shops may wait for confirmation that the insurer will pay before they take that risk.

EstiVerify shows which unpaid items are holding up the repair.

Why did the insurer say they will not pay until the work is done

Some carriers prefer to pay after repairs are complete. That can slow things down if the shop does not want to front the cost.

EstiVerify helps you understand the risk the shop is taking on an underpaid estimate.

Why is my car just sitting while everyone talks about money

When insurer, shop, and customer do not agree on cost, the vehicle often sits untouched.

EstiVerify clarifies the numbers so you can push for a real decision.

Why did the insurer say they already issued payment but no one has it

Checks can be mailed to the wrong address, go to a lien holder, or sit in internal queues. Meanwhile your repair waits.

EstiVerify keeps the focus on the adequacy of the payment amount, not just whether it was sent.

Why is my check made out to me and the bank

If you have a loan or lease, the lender often has to sign off on the check. This protects their interest but slows payment to the shop.

EstiVerify helps you decide whether the amount on that joint check is sufficient before you chase signatures.

Why is the bank holding the funds

Some lenders insist on proof of repair or inspection before releasing insurance funds.

EstiVerify helps you confirm that the repair cost is correct before involving the lender.

What happens if the insurance payment is less than the shop bill

The difference becomes a problem between you, the shop, and possibly the lender. The insurer steps back and points to their estimate.

EstiVerify shows in clear numbers how much they underpaid.

Why is the adjuster telling me to accept the check and find a cheaper shop

That shifts the problem onto you and away from their lowball estimate.

EstiVerify reveals whether the issue is price shopping or an unrealistic estimate.

Why does the insurer say the shop charges more than they allow

Insurers have internal target labor rates and caps. Good shops often charge more than those caps for quality work.

EstiVerify shows how much of the gap is realistic cost and how much is insurer cost control.

Can I keep the money and not fix my car

In many cases you can. But if the estimate is low, you are locking in an underpayment.

EstiVerify shows what that cash out number should really be.

Will my deductible still apply if I do not repair the car

Yes. The insurer still subtracts your deductible from the payout even if you decide not to repair.

EstiVerify helps you understand how much more you could have received with a correct estimate.

Will a low cash out hurt my future resale value

Yes. Your car can carry accident history with repairs that were never fully funded.

EstiVerify helps you protect value by maximizing the payout before you make a decision.

Why does insurance push me to take the check today

Fast acceptance means less time for you to discover missing items or ask for a review.

EstiVerify gives you quick clarity on whether that check is fair or not.

Do I get a second payment if hidden damage is found later

Possibly, but only if you push for a supplement. Many people never ask.

EstiVerify identifies hidden damage so you know what to ask for.

How does EstiVerify help with payment timing questions

We explain how your specific estimate, payout, and shop bill fit together so you know who should pay what and when.

How does EstiVerify protect me from surprise out of pocket costs

We identify where the insurer has underpaid, so you can address it before the shop hands you a higher bill.

Can EstiVerify show me how much money is missing above my deductible

Yes. We calculate the missing dollars that the insurer should be paying on top of your deductible.

Does EstiVerify help if I want to cash out instead of repair

We show you what a fair repair amount looks like so your cash out number is not based on a bare minimum estimate.

How does EstiVerify keep the focus on the money the insurer left off

We do not get lost in insurer language. We focus on the labor, parts, and procedures that should be on your estimate but are not. That missing work is missing money that should be in your pocket or in your repair.

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