Not sure what comprehensive deductible amount is right for you? Our car insurance calculator can help you find the right policy coverage and deductible. Car collision coverage can cover damage to your car's transmission when you hit an object, such as another vehicle, a tree, or a fence, minus your deductible. The collision can also cover you if your car is hit while parked and the transmission is damaged. Learn what to do if someone crashes into your parked car.
Car insurance deductibles apply to every claim you file, which means that you'll pay the deductible listed in your policy each time you file a claim. If the damages don't meet the deductible threshold, you'll pay the costs out of pocket. Generally, you'll only pay one deductible on your comprehensive and collision coverage, but some comprehensive claims may not require a deductible, such as windshield claims in some states. You may also have a deductible on coverage for protection against property damage and personal injury for an uninsured motorist.
The deductible does not apply to claims filed under your liability coverage. The PAA and Progressive are not responsible for the choices of insurers or coverages, the policies issued, the claims, the content or operation of other people's websites, or how others handle or use your information. If you're okay with paying a little more on your car insurance in exchange for reducing repair costs, or if you anticipate having to file one or two claims, then a lower comprehensive deductible might be right for you. If the repair costs are less than your car insurance deductible, it makes sense to pay for the damage out of pocket.
When it comes to dents, scratches, and dents on doors, most car insurance claims fall under collision or comprehensive coverage. Other auto insurance coverages, such as protection against crashes and personal injuries (depending on the state), include a deductible. A car insurance deductible is what you pay “out of pocket” on a claim before your insurance covers the rest. Insurance against mechanical breakdowns is an insurance plan that offers extensive protection against mechanical faults throughout the term of its validity, while manufacturer's warranties usually only cover your motorhome or car in case of repairs that result from defective materials or improper manufacturing.
Car insurance generally doesn't cover the repair or replacement of your car's transmission, unless the damage was the result of a covered incident. You can opt for a higher car insurance deductible because you're betting against having an accident, but if you've had accidents in the past and drive often on higher-traffic roads, you're more likely to file a claim and pay a deductible. Collision, all-risk, protection coverages for uninsured and personal injury drivers typically have an auto insurance deductible. The comprehensive deductible amount you choose determines your out-of-pocket costs for repairs and influences your car insurance rate.
After you pay the amount of the car deductible, your insurer will cover the remaining cost to repair or replace your vehicle. If you live in a state where cracked windshields are common, you might want to choose a low car insurance deductible to replace your windshield. Unlike deductibles for cars and property, your health insurance deductible is the amount you must spend out of pocket before your insurance pays for most types of care. Your car insurance may cover the cost of repairing dents and scratches if you include comprehensive or collision coverage in your auto policy.
Gap insurance can pay the difference in your loan if your car is stolen or destroyed in an accident, and you still owe more than the vehicle is worth...