The insurance company will pay for the repair or replacement of your vehicle, minus the deductible, to restore your vehicle to the condition it was in prior to the loss. They will only cover the part of your car that was actually damaged. If you make other repairs to your vehicle not directly related to the accident, you are still required to contribute financially. During repair, the mechanic may use reconditioned or used parts. These parts must be of the same quality as the originals and must not adversely affect the operation of the vehicle. Any extra work done on the vehicle not directly related to the damage is your financial responsibility.