NOTE: Keep in mind deductibles do not apply to liability auto insurance coverage, as that pays for damages incurred by another driver when you cause an accident. Rather, it would apply to coverage types that pay your damages, such as collision or comprehensive coverage.
Re: Poured side walk/steps, how long to leave forms? I strip the forms 24 hours later, but am careful not to damage the new concrete. It will still be very soft and with crumble if you put too much force on the edges. Usually concrete will harden withing 30 days to the point where it is considered cured.
We have had plenty of customers who did not want to wait that long and drive on the concrete 3 days after it was placed without having any problems. So it can be done with small cars and light trucks but we recommend 7 days.The full 28 days for heavy equipment or large heavy trucks(ex: a concrete truck).