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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.

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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