"We'll Waive Your Deductible" — What to Ask Before You Agree
Some collision shops advertise deductible waivers or assistance. Here's how to tell a legitimate offer from one that could put your claim at risk.
Reviewed September 2026 against current Ontario government, FSRA and Peel Regional Police guidance.
What "Deductible Assistance" Can Mean
Your deductible is the part of a claim you agreed to pay under your policy. When a shop offers to "waive" or "help with" it, the shop is offering to absorb some or all of that cost itself.
Whether that is acceptable depends entirely on how it's done.
The Line You Must Not Cross
A legitimate offer: the shop reduces its own price to you and bills your insurer only for the work actually done, at the approved estimate.
Not acceptable: the shop recovers the deductible by inflating the estimate or billing your insurer for work, parts or hours that weren't part of the real repair. That is misrepresenting the claim, and it can put your claim — and you — at risk even if the shop made the arrangement.
Questions to Ask Before You Agree
If you're unsure, ask your insurer how they treat deductible offers from repair shops before you authorize the repair. A trustworthy shop will be comfortable with you asking.
Pixel Towing's Position
We have an interest in a collision repair facility, and we tell customers that before any referral. Any deductible help we discuss must come off our own price, never be billed to your insurer, and be written into your repair paperwork. Not every claim qualifies, and you are free to choose any repair shop.
This article is general information, not legal or insurance advice.
Questions about a tow or repair after a collision in Brampton? Call 647-673-9755.
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