You can avoid paying your car insurance deductible for vehicle repairs if the mechanic agrees to waive it, which is possible but highly unlikely. In some cases, your insurer may also waive your comprehensive deductible for glass repair specifically. Otherwise, if you are filing a car insurance claim with a type of coverage that has a deductible, you have to pay it.
Types of Car Insurance That Don’t Require a Deductible
Not every insurance claim requires you to pay a deductible. For example, many insurers waive comprehensive deductibles for glass repair, and some states allow drivers to choose a separate $0 glass deductible.
In addition, if you are in an accident and another driver is at-fault, your costs will be covered by their liability insurance, which doesn’t require you to pay anything out of pocket. If you choose to use your collision coverage or personal injury protection insurance to cover immediate costs, you will have to pay your deductible. However, your insurance company will eventually recoup your costs from the at-fault driver’s insurer.
On the other hand, you may have to pay a deductible if you are hit by an uninsured motorist and have to use your uninsured motorist property damage insurance, though it usually depends on your state.
What To Do If You Can’t Afford Your Car Insurance Deductible
If you want to file a claim but cannot pay your deductible, you have a few options. You can set up a payment plan with the mechanic, put the charge on a credit card, take out a loan, or save up until you can afford the deductible. Depending on your state and insurance company, you could have anywhere from 30 days to a few years to file a car insurance claim after an accident.
Because it’s almost impossible to avoid paying your car insurance deductible in situations where it actually applies, it’s important that you pick a deductible amount you can afford. To learn more, check out WalletHub’s guide to car insurance deductibles.
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