What type of auto damage is covered without having to pay a deductible?

What type of auto damage is covered without having to pay a deductible?

In most situations if you make a first party claim against your own insurance policy for damages sustained to your vehicle there is a deductible amount due while if you make a third party claim, one against the Liability coverages of another party that was at fault in the accident, then there is not a deductible amount due.

When making a third party claim against a person's Bodily Injury Liability or Property Damage Liability there is not a deductible to be paid. When making a claim against your own insurance policy and coverages most times a deductible is due. To not have a deductible with some coverages it may be possible to pay higher premiums and have a zero deductible (if that is permitted in your state and by your insurer). Physical Damage coverages of Collision and Comprehensive typically come with a deductible that you choose at the inception of your policy, though there may be certain situations where the deductible is waived.

The Comprehensive deductible is required in a few states to be waived for windshield repairs and replacements so that drivers are more apt to act quickly when their windshield is damaged and get it fixed or replaced and thus do not drive around with a cracked or broken windshield. An insurer may waive a deductible for other situations, such as if a deer or wild animal damages your vehicle, but that is up to their own guidelines. In most cases if there is property damage to your vehicle you must pay a deductible, whether you are at fault or not.

Some people mistakenly believe if they are not at fault for the damages to their vehicle but make a claim through their Collision or Comprehensive coverage that you do not have to pay the deductible but this is incorrect. If you make a claim against your physical damage coverages than the deductible is normally due whether you were at fault for the accident or not. If someone else was at fault you may be able to go after them personally through to recoup your deductible amount.

Medical expense coverages such as PIP and Uninsured Motorist may or may not come with a deductible depending upon your state laws and then upon your insurance company's guidelines. When you choose to not have a deductible though with these coverages (if that is an option in your state) or your physical damage coverages your rates will be higher than if you choose a deductible amount.

Medical Payments typically does not come with a deductible amount. Gap insurance does not come with a deductible either. Coverage is limited to the terms and conditions contained in the policy for whatever you carry so to see what portions of your auto insurance policy come with a deductible you should read through your policy.

To save money most people choose to have a deductible amount associated with their coverages that cover damages to their automobile. A deductible can be helpful in saving money but one should make sure they do not pick one so high that they could not pay it out if they needed to make a claim.

To see what coverages in your state can be offered without deductibles you can speak with your agent and check with your state's insurance regulator.