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Seven typical deductible scenarios

November 17, 2009

The deductible is one of the most important options you will select on your car insurance policy. This is because it directly impacts how much your insurance premium will cost and the amount you agree to pay out-of-pocket in the event of a car accident or a claim. 

Depending on the situation, you may or may not be obligated to pay the deductible.  InsuranceHotline.com has uncovered seven different scenarios explaining when a deductible applies, and when it may be waived by an insurance company:

1. Mary was involved in a single-vehicle accident and the car sustained $3,500 worth of damages. Mary’s insurance company deemed her 100 per cent at fault for the accident, and confirms her policy has a collision deductible of $500. Mary would be responsible for paying the first $500 and her insurance company would pay the remaining $3,000.

2. Charlie’s vehicle was rear ended while he was stopped at an intersection. His car sustained major damages as a result of the accident. Since Charlie’s insurance company confirmed he was not at fault for the accident, the deductible was not applicable.

3. Diane was recently involved in a "hit and run" accident and sustained $2,000 worth of damages to her vehicle. Diane could not identify the other party since the other driver fled the scene of the accident. Diane’s insurance company agreed that she was completely not at fault for the accident, but since she could not identify the other driver, her collision deductible of $1,000 would be enforced and her insurance company would pay the remaining $1,000.

4. Anthony is claiming accident benefits for bodily injuries sustained in a car accident. A deductible is not applied when claiming accident benefits, so he does not have to deal with paying.

5. Vanessa decided to file a comprehensive claim due to a stone chip hitting and damaging her windshield. Vanessa was not be responsible for paying her comprehensive deductible, since insurance companies waive deductibles for stone chip repairs to windshields. If the entire windshield needed replacement, however, the comprehensive deductible would be enforced.

6. Mark was deemed 50 per cent at fault for a recent fender-bender. Mark is responsible to pay half of his collision deductible since he was 50 per cent at fault.

7. Dave filed a claim because he hit a deer while driving. His insurance company agreed to pay out to repair the damage. However, Dave is responsible for paying his comprehensive deductible.

In addition to affecting what you have to pay out of pocket in the event of a claim, deductibles also impact your premium. Generally speaking, increasing your deductible can be an effective way to lower your rate - but it’s not the only way. Shopping around using online services like InsuranceHotline.com is the fastest and easiest way to save money on your insurance by comparing your rate against over 30 other options.

For more car insurance information, check out other car insurance articles.

  • Dean

    So if I hit a parked vechile do I have to pay first 500

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Dean,

    In any claim, you would be required to pay your deductable, whatever that is.. You would have to check with your policy or broker to see what your deductible is as there are different options (some people decline a deductible, some select $500 and some $1000).

  • Cody

    If a police car rams into mine what happens.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hi Cody,

    I would assume that this would be a situation cleared up by the police officer at the scene.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    Your insurance company will likely pay you if you have the proper coverage.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com


    If you caused the collision then it would be you who is at fault.

  • Nona T.

    if my car was set on fire by arsonist, what would happen?

  • Nona T.

    what would happen i was hit by a police car?

  • Ned

    Someone backed into me in a parking lot.

    My insurance company decided to settle the claim 50/50 with other other insurance company,
    But has told me they are rating me 0% responsible and waving the deductible.

    Will this affect my insurance rates?

  • kyle

    hay yall so im 17 and drive a 93 d250 diesel truck and i pay 2800 a year. ive nere had a ticket or been in a wreck why is it so high

  • stephen

    If I parked my car in working place and the fallen ice from the building damaged my car. Do I have to pay the deductible?

  • emskee mitosis

    hello hunter burger

    you have a nice butt. $$$$$$$
    can i eat da booty

    thank you, emskee

  • paula

    hey y’all

    I’m Paula Dean

  • Michelle MacDonald

    “I’ve fallen and i can’t get up” say that when you call life alert

  • Michelle MacDonald

    i love you

  • Michelle MacDonald

    blame it on isis

  • InsuranceHotline

    If you have liability insurance then you would be covered.