How can I avoid paying a deductible?

Is there a way I can avoid paying my deductible if I need to submit a claim? I have full coverage with a high deductible ($2500). I can't afford to pay it out of pocket, but it's the only way I can afford full coverage.

Answer
“In most situations, you’ll be required to pay your deductible when submitting a claim. For your deductible to be waived, you’d likely need special terms and conditions on your policy.
Some carriers do have a deductible waiver clause.
With this, your deductible may be waived if your vehicle is damaged by an uninsured driver. If your state doesn’t require uninsured motorist coverage, it’d be a way to repair your vehicle without paying your deductible.
If you have full glass coverage with your comprehensive insurance, you also would have your deductible waived for broken glass.
Apart from these situations, your deductible won’t be waived when you need to submit a claim.
You should try and shop around for a lower deductible. You may be able to find car insurance you can afford with another carrier.”
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Emily Maracle
Answered on Jul 06, 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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