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When do you pay the deductible on car insurance?

Here's what you need to know...

  • A car insurance deductible is the specified amount of money that you’re required to before the insurer is obligated to issue payment
  • There is no deductible for claims made against your Bodily Injury Coverage, Property Damage Coverage, Uninsured Motorist Protection, or Medical Payments Coverage
  • You have the option to choose two separate deductibles for comprehensive and collision coverage options
  • If you file a claim for a comprehensive loss, you’re comp deductible will be deducted from the insured loss unless you file a glass claim and the deductible is waived
  • If you file a collision claim after an at-fault accident, the deductible for collision will be deducted from your settlement
  • In some cases, policyholders will be required to pay their collision deductible even when they’re in a non-fault accident

Very few auto insurance policies will cover 100% of your damages and medical bills. Instead, the insurer will ask you to select a deductible so that you and the carrier can share some of the risk and so that you’re not tempted to file every potential claim that you have. As a policyholder, you’re free to choose from a long list of different deductibles that are each associated with different premiums.

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Fortunately, for the sake of you as a consumer, not all claims being settled require the claimant to pay a deductible. It’s important that you understand how deductibles work, when you’re obligated to pay, and how the amount that you choose can affect your rates. Read this guide to car insurance deductibles and you’ll be ready for every common situation you could possibly face.

Do you pay a deductible for liability claims?

Liability coverage pays for damages to another person that you caused while you were operating your vehicle or another temporary substitute. As a required coverage, liability is something that you’ll always find in even the most basic of auto insurance policy. While states set minimum coverage requirements on a per person and a per accident basis for Bodily Injury coverage and Property Damage coverage, carriers may offer to $1 million in coverage on a standard policy.

It might seem as if it’d make sense to charge the policyholder a deductible if they’ve caused damages behind the wheel, but that’s not the case. No matter how high of a limit that you select, you aren’t required to pay a deductible for any liability claims that are made against your policy. Premiums are based on your risk class, the vehicle you select, your driving habits, and also on the limit that you select.

What is physical damage coverage and is it required?

You aren’t legally required to carry physical damage coverage for your own car. Even though the state doesn’t require it, it might still be necessary to buy the optional coverage if you don’t own your car outright. Under contract, lease and finance companies state that all lessees/borrowers must insure the vehicle. This means that you must buy comprehensive and collision, which are two physical damage coverage options that pays for very different types of losses.

The car will need to hold enough value to justify the expense you’re taking on.

If you own your car, you’ll need to weigh the pros and cons of carrying full coverage. It offers you protection, but there’s a chance you’ll never file a claim and you’ll be paying too much out of pocket for that peace of mind.

Is there a deductible for physical damage coverage?

When you buy physical damage coverage, you’re required to select a deductible. Since there are two different types of physical damage coverage which each pose different risks to insurers, you’ll carry two separate deductibles for both comprehensive and collision. If you ever file a claim to repair damages to your car or to replace the car when it’s totaled, the insurer will first review the deductible you’ve selected for the coverage you’re filing against.

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When will you pay a comprehensive deductible?

Comprehensive covers your vehicle when its damaged in scenarios where its parked, when there’s glass breakage or when damage is caused by an animal. This is why it’s often called parked car insurance or storage insurance. While a comprehensive claim is considered to be a non-fault claim, you are responsible for paying your ‘comp’ deductible when you file any type of claim for damages caused by the following:

  • Fire
  • Theft
  • Vandalism
  • Flood
  • Hail or wind
  • Falling objects
  • Explosion
  • Live animals

What’s your deductible for glass breakage?


In some cases, insurers will have exceptions to the deductible rule when you have a crack in your windshield and it doesn’t have to be replaced. Even though glass breakage coverage falls under the comprehensive umbrella, insurers tend to cover rock chips in full to prevent the need for an entire windshield replacement in the future. You may have to add a glass endorsement for this special waiver.


When will you pay a collision deductible?

Collision insurance covers damage to your vehicle when it collides with another vehicle or object. This might sound straightforward, but determining whether or not you’ll pay a deductible is anything but. Typically, you’re responsible for paying your collision deductible when you’re considered to be primarily responsible for the loss.

In the insurance world, anyone who’s 50% or more at fault will file a claim against their insurance and pay their collision deductible.

Unfortunately, if there’s a dispute as to the allocation of fault, it can delay the process. Your adjuster will encourage you to get your vehicle repaired, but they’ll charge your deductible until the claims investigation can be closed. If the companies finally agree and you’re not at fault, your deductible will be reimbursed to you when the settlement is complete.

What are your options when you select a deductible?

Before you can choose the right deductible, you’ll need to know your options and the common rules of thumb. When buying comprehensive coverage, some companies offer $0 deductibles. It’s more common for policyholders to carry deductibles between $100 and $500. Collision deductibles tend to be higher than comprehensive deductibles because more risk is present. You’ll be able to choose between $100 and $1000 deductibles, but your collision deductible can never be lower than your comprehensive deductible.

How to Avoid Paying a Deductible for Non-fault Losses

If you’re in a crash and you’re not at fault, there’s a chance you could get stuck paying your deductible. This is most common when you can’t identify the other driver or the vehicle or if they’re uninsured. To prevent this from happening, you can purchase Uninsured Motorist Property Damage which waives your deductible for claims with uninsured or hit and run drivers.

If you’re ready to start shopping for coverage, it’s important that you price the cost of multiple deductibles. If you want to manage your premiums, remember that higher deductibles come with lower premiums. High-risk drivers can save 10, 20 or 30 percent off of their coverage by raising their deductibles. Use an online comparison tool to see what you can save and then you can build the perfect insurance policy for you. Enter your zip code in our tool below to get a FREE car insurance quote now!

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