The shop you choose is responsible for the quality of repairs. As the insured, you are responsible for paying for those repairs. The insurer is responsible for reimbursing you to the limits of you policy. This is why it is important that you choose your insurer, as well as repair facility, carefully.
No. When you purchased your insurance policy, you signed a contract saying you will pay the first amount of the claim up to your deductible. Repairers should not be asked to hide the deductible. That practice would constitute fraud by both the shop and the consumer.
You are the insured when your policy is paying to repair your vehicle. Your deductible will usually apply. You are the claimant when someone else’s insurance is paying your claim. You should not pay a deductible, and may be eligible for personal injuries to you and your occupant(s), and loss of use or rental reimbursement
Insurance policies are contracts designed to protect people in one of three ways – liability, collision, and comprehensive. All states require the vehicle owner to carry some form of liability coverage. This type of coverage pays for damages you may do to someone else or their property. It does not cover damage to your property.