# Do You Pay the Shop or Does Insurance? Hail Repair in Arizona

> Insurance pays the repair minus your deductible, directly to the shop or by check to you. How the money moves, and how $0 out of pocket works on qualifying claims.

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# DO YOU PAY THE SHOP, OR DOES INSURANCE?

Quick Answer

Usually both, in different amounts: your insurer pays the repair minus your deductible, and the deductible is your share. How the money moves depends on the insurer. Some pay the shop directly, and some send you a check that you then bring to the shop. USAA’s claims page, for example, says STARS network shops are paid directly and that you pay your deductible to the shop once repairs are complete. On qualifying hail claims at DG Collision Center’s Phoenix shop, we cover the first $1,000 of that deductible, so many customers owe $0 out of pocket. The amount is written on your estimate before work starts. Text (602) 935-6008 with questions.

[Lea esta página en español →](https://dgcollision.com/es/respuestas/quien-paga-reparacion-granizo-arizona/)

By [Shah Jiwani](https://dgcollision.com/about/shah-jiwani/) · Owner, DG Collision Center
Updated November 4, 2026
3 min read
I-CAR Gold Class · PPG Certified

The Longer Answer

## HOW THE MONEY USUALLY MOVES

| Situation | Who gets paid | What you do |
|---|---|---|
| Insurer pays the shop directly | The shop, minus your deductible | Pay any deductible balance at pickup |
| Insurer sends you a check | You, then the shop | Bring it in; it goes toward the repair |
| Lender is on the check | You and your lender, together | Get both signatures; call your lender early |
| Supplement approved later | Usually a separate payment | Nothing extra if the shop handles it; deposit it if it comes to you |
| Paying cash, no claim | The shop, by you | Agree the price in writing first |

## YOUR DEDUCTIBLE AND OUR OFFER

It’s your share of the claim. The insurer subtracts it from what it pays. On qualifying claims from the October 20–21, 2026 storms, we cover the first $1,000 of it; above that, it’s case by case, and we do our best.

Yes, that’s allowed when the bill is honest. We bill your insurer the real cost of the repair, and the discount comes out of our margin. Arizona treats padded bills as fraud under A.R.S. § 20-463, which is why we won’t pad one. See [can a shop cover your deductible](https://dgcollision.com/answers/can-a-body-shop-cover-my-deductible-in-arizona/).

What about the insurer’s timing? Under A.R.S. § 20-462, a first-party claim not paid within 30 days after an acceptable proof of loss owes interest at the legal rate. If a payment is overdue, ask your adjuster in writing.

The loaner. It’s free to you. When your policy includes rental coverage we bill your insurer for it; when it doesn’t, you still pay nothing. Under A.R.S. § 20-468 the shop is your choice. More on [hail damage repair in Phoenix](https://dgcollision.com/hail-damage-repair-phoenix/). General information, not legal advice.

### Want To See Your Number?

Text your estimate to (602) 935-6008. We’ll tell you what your insurer should pay and what, if anything, you’d owe.

Text My Estimate
Call (602) 935-6008

Related Questions

## ASKED ALONGSIDE THIS ONE

**Q: Do I have to pay for the repair upfront?**

A: On an approved claim, the insurer’s payment covers the repair, minus your deductible. Ask any shop what it needs at drop-off; ours writes your share on the estimate before work starts.

**Q: My check came to me. Do I keep it or give it to the shop?**

A: If you’re repairing the car, it goes toward the repair. Some people first have to get a lender’s signature on it.

**Q: When do I pay my deductible?**

A: Typically when the repair is finished. On qualifying Phoenix claims, we cover the first $1,000, and anything above that is case by case.

**Q: What if the insurer pays late?**

A: Ask in writing. Under A.R.S. 20-462, a first-party claim not paid within 30 days of an acceptable proof of loss owes interest at the legal rate.

Also read: [Got the check?](https://dgcollision.com/answers/insurance-check-for-hail-damage-arizona/) · [Shop price higher than the estimate?](https://dgcollision.com/answers/shop-price-higher-than-insurance-estimate-hail-arizona/) · [Covering your deductible](https://dgcollision.com/answers/can-a-body-shop-cover-my-deductible-in-arizona/) · [Hail damage repair in Phoenix](https://dgcollision.com/hail-damage-repair-phoenix/)