Does my insurance cover repairs that are less than my deductible?

I hit a pole when backing out of a parking lot. The repairs are going to be $800, but my collision deductible is $1,000. Will my insurance still cover my repairs?

Answer
“Your deductible is the amount you need to pay out of pocket before your insurance will kick in. If your repairs are less than your collision insurance deductible, you’re responsible for paying them.
Since you were responsible for the damage, you wouldn’t have any other option for the damage to be covered under your insurance. To try and save as much money as possible, you should get a second opinion or quote from another repair shop. Like car insurance, it never hurts to get multiple quotes to ensure you’re getting the best price.
If you want to get multiple quotes for car insurance or even consider a different policy or deductible, don’t forget about Jerry. As an end-to-end insurance broker, Jerry allows you to search quotes and will even do the paperwork. It’s as easy as it gets.”
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Emily Maracle
Answered on Sep 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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