When Do You Pay A Deductible On Auto Insurance?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    When you have a claim you will pay your deductible.  Usually this is figured in the repair cost.  If the cost of repair is $1500 and you have a $500 deductible you will be billed by the repair shop the $500 and you insurance would pay the balance.
    Answered on May 29, 2013
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    You will pay a deductible on car insurance if you file a "physical damage" claim on your policy.  Physical Damage is separated into two areas: Collision and "Other than Collision" or Comprehensive.  Both deal with damage to YOUR car as a result of a covered loss.  There are a few situations where you will not pay a deductible.  If you have Full Glass protection and your window glass needs to be replaced or repaired because, say a rock hits it. Then because you have full glass, you will not pay a deductible.  Likewise, if you have towing or "Roadside Assistance" you will not be responsible for a deductible.  Some companies offer "Vanishing Deductible" and  "Advance Deductible", both of which are fantastic features. Call your Insurance Professional to ask what your poliy covers BEFORE you need it.
    Answered on May 29, 2013
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