This is the amount that you have chosen, when you purchased insurance, to be responsible. Your Insurance company will not cover this amount. If you have a $200 deductible, and your vehicle damages are $500, your insurance company will pay $300. You are responsible for the first $200.

No payment can be made by the insurance company because you agreed to be responsible for any damages up to the amount of the deductible.

Not if the other vehicle owners insurance company pays. If not then the deductible will be applied in all cases.

Yes. Subrogation by your insurance company may result in recovery of  your deductible, or small claims court action can be taken.

Unfortunately, actions of another insurance company can not be controlled,  Your insurance company claims representative can assist.

A supervisor of the insurance adjuster that inspected the damages should be notified for adjustment. If the results are not acceptable a complaint should be made to the New York State  Insurance department. @ 212-602-0203  or 212-480-4693.

You may choose any repair facility convenient for you.

You should discuss the problem with the shop owner. If you are still not satisfied, you may file a grievance with the Department of Motor Vehicles @ 1800-342-5368 or 518-486-9748.

Both you and the lien holder are listed as payees in your insurance policy as you both have a financial interest in the life of the vehicle.

This is the dollar amount taken off the new cost of certain parts, which normally wear out, and are replaced during the life of the vehicle.

If you signed a "Direction to Pay" for the shop, their name may be on the check.

Call the claim representative at the insurance office.