Expert Advice for Deductibles

All Articles on Deductibles

How to Choose the Best Car Insurance Deductible
You’ll want to consider the value of your car and your driving risk when choosing your deductible.
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Michelle Ballestrasse
Jul 05, 2021
How to Choose the Right Comprehensive Deductible
Choosing a comprehensive deductible that is too high could leave you paying more in the long run.
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Jacoba Bood
Jun 18, 2021
What Is an All-Perils Deductible?
Here's how all-perils deductibles work and what you can expect to pay if you file a claim.
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Liliana Pina
Dec 11, 2020
What Happens if You Can't Pay Your Insurance Deductible?
In order to receive insurance benefits after filing a claim, you must first meet your deductible. Here’s what to do if you can’t afford it.
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Liliana Pina
Dec 04, 2020
How to Find Car Insurance Without a Deductible
Deductibles are a standard part of insurance policies; however, some policies may allow you to avoid them.
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Marisol Pereira
Dec 02, 2020
What Is Comprehensive Deductible Coverage and What Does it Cover?
This guide tells you what a comprehensive coverage deductible is and what it covers. Read on to learn about comprehensive coverage deductibles.
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Cheryl Knight
Sep 15, 2021
The 4 Main Reasons Cheaper Car Insurance Isn't Always Better Insurance
You get what you pay for with car insurance. Cheaper car insurance policies can cost you more than just money.
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Elaine Sulpy
Sep 09, 2020
How to Understand Car Insurance Deductibles
If you understand car insurance deductibles, then you'll have a better idea of what you can afford and get the right coverage at the right price.
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Elan Mcafee
Dec 18, 2020
How Do Deductibles Affect Car Insurance Premiums?
Generally, having a higher car insurance deductible results in a lower car insurance premium and vice versa.
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Elan Mcafee
Jan 22, 2021

All Questions on Deductibles

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?
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Rachel Juillerat
Sep 13, 2021
What's the difference between a deductible and an out-of-pocket max?
I see both of these listed on my insurance policies and I don't understand what the difference is. I know I have to pay a deductible, but wouldn't that be my out-of-pocket maximum?
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Emily Maracle
Sep 09, 2021
How do I know what my full coverage deductible is?
I have full coverage on my vehicle, but I don't know what my deductible is. How do I find out?
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Emily Maracle
Sep 09, 2021
Who is responsible for your deductible in an accident if you aren't at fault?
I was not at fault in an accident. I have to get my car repaired. Will the other driver pay my collision deductible or am I still responsible for it?
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Emily Maracle
Sep 09, 2021
Why does car insurance have deductibles?
I'm already paying an insurance premium that includes full coverage. Why do I need to pay a deductible?
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Emily Maracle
Sep 09, 2021
How long will it take for my insurance to reimburse me for my deductible?
I was not at fault in an accident. I submitted a claim to my insurance and paid my deductible so I could get my car repaired. My insurance is attempting to recover costs from the other driver. How long will it take to be reimbursed?
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Emily Maracle
Sep 09, 2021
Can you pay your deductible over time?
I have a $1,000 deductible. I hit a guardrail and had to submit a claim to my insurance. The repairs are going to cost $1,500. Am I able to pay my deductible over time so I can get my car fixed?
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Emily Maracle
Sep 09, 2021
Do you have to pay your deductible before your insurance pays out for any claims?
My car was hit by an uninsured driver. I have to submit a claim for damage done to my vehicle. I have uninsured motorist coverage, but do I still need to pay my collision deductible?
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Emily Maracle
Sep 09, 2021
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?
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Emily Maracle
Sep 09, 2021
Do you pay your collision deductible if you're at fault in an accident?
I hit another car in an intersection and was at fault. My car needs repairs. Since I was at fault, am I responsible for paying my deductible?
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Emily Maracle
Sep 09, 2021
Is my collision deductible required if someone hit me?
I was rear-ended at a stop light. I have to submit a claim for damage, but do I have to pay my deductible? Would the at-fault driver's insurance cover it?
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Emily Maracle
Sep 09, 2021
Do I always have to pay my deductible when I submit a claim?
I need to submit a claim for damage. Is there any way to avoid paying my deductible? The damage is $1,100 and my deductible is $1,000.
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Emily Maracle
Sep 09, 2021
What does a deductible do?
I noticed that I have deductibles on my policy. I have one listed for uninsured motorist property damage, comprehensive coverage, and collision coverage. What's the purpose of them?
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Emily Maracle
Sep 09, 2021
What's the best deductible to have on your insurance?
My car insurance company is offering deductibles between $0-$2,500. I'm not sure what I should select for comprehensive and collision insurance. What's recommended?
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Emily Maracle
Sep 09, 2021
What deductible should I have with full coverage?
I am adding comprehensive and collision coverage to my car insurance. I have to choose a deductible. What's better: $500 or $1000?
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Emily Maracle
Sep 09, 2021
What deductible should I choose for my home insurance?
I'm about to purchase a home insurance policy, but need to choose a deductible. What's the best deductible to have?
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Emily Maracle
Sep 09, 2021
How much does it cost to spray a car bumper?
How much does it cost to have a bumper repainted? I have some nicks and scratches on my car bumper that I want to fix.
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Eric Schad
Aug 27, 2021
What should I do if I see someone ding my car?
What should I do when someone dings my car and then acts like it didn't happen? I was in the Target parking lot the other day, loading countless must-have items (you know the temptations of Target) when this woman dinged my car with her car door. I didn't know what to say, so I didn't say anything. Now I have a $1,000 car repair bill to match my $500 Target bill! What should I do if this happens again?
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Shannon Martin
Aug 25, 2021
What deductible should I have on my home insurance policy?
I'm in the process of buying home insurance, but I'm not sure what the deductible should be. Are there any rules or ideas on how high or low your deductible should be?
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Eric Schad
Aug 12, 2021
Is your car protected if someone who isn't on your insurance wrecks it?
My friend borrowed my car and got into an accident. I have full coverage on my policy. Will my insurance still cover the damage?
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Emily Maracle
Jul 29, 2021
How does the wind/hail deductible on my policy work?
I see that my homeowner's policy has a wind/hail deductible of 5% and then another deductible of $1,000. I guess I didn't notice this when I purchased the policy. I am insured for $375,000; how would the wind/hail deductible come into play?
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Shannon Martin
Jul 26, 2021
What does not subject to deductible mean?
I want to make sure I have the coverage; what does this mean? I am looking at my auto insurance policy and it says not subject to deductible for the liability coverages.
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Shannon Martin
Jul 26, 2021
Does homeowners insurance cover broken glass?
Can I submit a claim to my insurance company for a broken window? Someone threw a rock into my window. The glass is broken and will need to be replaced.
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Emily Maracle
Jul 20, 2021
How do home insurance deductibles work?
Can I submit a claim for tree damage? I want to submit a claim to my home insurance for tree damage. My deductible is $1,500. The damage is going to cost $1,600 to repair.
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Emily Maracle
Jul 20, 2021
Does homeowners insurance cover ceiling damage?
Could I submit a claim with my insurance company for damage I caused? I damaged my ceiling while moving things around my attic.
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Emily Maracle
Jul 19, 2021
What is the purpose of homeowners insurance?
Why do people recommend home insurance? It seems expensive and I'm not sure why it's necessary.
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Emily Maracle
Aug 17, 2021
What is better for home insurance, a high deductible or low deductible?
Should I go with a high deductible and lower premium, or a lower deductible and higher premium? I'm requesting quotes from a variety of carriers right now and all the prices are fairly similar. Does it matter?
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Emily Maracle
Jul 19, 2021
Does uninsured motorist coverage normally have a deductible?
If I had to submit a claim after being hit by an uninsured driver, would I have to pay a deductible?
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Emily Maracle
Jul 09, 2021
What is the recommended deductible to have for full coverage?
Is there a specific deductible amount that's recommended for full coverage?
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Emily Maracle
Jul 08, 2021
Does liability insurance have a deductible?
Does liability insurance have a deductible like other types of insurance? I know that full coverage and uninsured property damage has deductibles.
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Emily Maracle
Jul 08, 2021

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