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How do I get a deductible waived?
I recently got into an accident, and I'm worried about paying my deductible. Is there any way to get it waived?
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“There are a few different ways to get a deductible waived. Some—like a collision deductible waiver, or CDW—are more reliable than others.
The availability of CDWs will depend on your policy. Some CDWs will only protect you if the at-fault party is uninsured, so you’ll want to check with your insurer to see what is covered with your CDW. Be aware that a plan like this will raise your monthly premium.
But if you don’t have a CDW plan, you may be able to avoid your deductible in other ways. If you have broad
collision coverage
, your deductible will be waived if you are less than 50% responsible for the crash.And if your windshield or windows suffered damage, check through your policy for glass coverage. Those sections might have a low or nonexistent deductible since they cover damage beyond the result of a crash.
If you were hit by an
uninsured driver
, you can also check to see if you have an uninsured motorist protection-damage policy (UMPD). This policy will cover your vehicle but typically has a relatively low limit. So if your car sustained a lot of damage, it won’t help you very much.You should be wary of auto body shops that offer to waive the deductible for you. You’ll want to make sure your insurance agent is aware of and responsible for the waived deductible; otherwise, you may be unintentionally committing fraud.
However, some insurance companies will waive or lower the deductible if you take your car to certain auto body shops. Check with your provider to see if this option is available for you.
Still worried about your deductible or insurance premium? The
Jerry
app is here to help. If your insurance policy leaves much to be desired, Jerry can shop around for better coverage and deliver the best quotes from the top insurance providers straight to your phone—for free.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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