What do I pay when I pick up the car? Is it only the deductible for insurance claims?

Question

I’m wondering what I actually have to pay when I pick up the car after repair. For insurance claims, do you only pay the deductible, or can there be additional costs/reductions — and how does it work if liability hasn’t been decided yet?

AutoIn Bilskade AS · Accepted Answer

Private repair: You pay the full repair cost yourself.

Insurance claim: Normally, you only pay the deductible and any reduction (“avkortning”) when you pick up the car. We invoice the remainder directly to your insurance company.

Important to know for insurance claims:

Liability: If the insurance company has not determined who is at fault yet, you may need to pay the full repair first and get reimbursed later by your insurer.
Reduction (“avkortning”): The insurer may reduce compensation if the vehicle’s condition or mileage differs from what is stated in the policy.
Third-party terms: Deductible, any reduction, coverage, and liability are decided between you and your insurer. AutoIn cannot influence these decisions.
Business customers: VAT-registered businesses pay VAT on damage repairs for insurance claims.
Tip: Check with your insurance company before drop-off to confirm deductible, any reductions, and rental coverage.

If you have questions about payment, you can always contact us on 02030 or your branch directly.

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FAQ / What do I pay when I pick up the car? Is it only the deductible for insurance claims?