Car Insurance Deductible: What You Must Know

Jul 18, 2021 | Auto Hail Damage Repair, Hail Damage Insurance, Hail Damage Repair, Paintless Dent Repair PDR

What is a Car Insurance Deductible?

Understanding your auto deductible is vital knowledge in the event you have to file an auto insurance claim for hail damage.

A car insurance deductible is the amount of money you owe on an insurance claim for an insured loss. A deductible reduces your claim payout amount.

Typically, a deductible is a fixed amount. The national average car insurance deductible is $500. Let’s pretend your deductible is $500, and your insurance provider determines the hail damage to your car is going to cost $7,500 to fix. In that case, you receive a claim payment amount of $7,000. That means that you have to cover the remaining $500 of repairs. Fortunately for you, we cover any deductibles up to $1,000. That means if your deductible is $1000 or less, you pay nothing to have our hail damage specialists fix your car.

All deductibles are different, and you should review the deductible listed on your auto policy. While a small insurance premium may look enticing, you’ll have a higher deductible and may end up paying more out of pocket in the long run.

What Type of Coverage Includes a Deductible?

There are many different types of car insurance, and not all of them have a car deductible, but most do. There are four types of car insurance you should be familiar with:

  • Liability Insurance. Liability is the minimum amount of insurance required for drivers and it covers expenses associated with the injury of other parties when you are at fault. This insurance coverage does not have a deductible.
  • Comprehensive Insurance. Comprehensive coverage is the most important coverage when it comes to hail damage. This includes all fees incurred from damage caused by anything but a collision, like hail or theft and it covers the value of stolen items. Comprehensive insurance does have a deductible, but it is usually less than a deductible from a collision.
  • Collision Insurance. Collision coverage covers what comprehensive insurance does not, such as costs associated with a traffic collision when you are at fault. This coverage type generally has the highest deductible of any insurance coverage. Fortunately, this works both ways. An at-fault party’s collision coverage covers your repairs, and you do not pay a deductible.
  • Uninsured Motorist. Simply put, uninsured motorist coverage covers any expenses like medical bills, lost wages and other costs from an accident caused by an uninsured party. Some states require uninsured motorist coverage, while others only require insurance carriers to offer this type of coverage. It is good to have, especially with one in eight drivers being under or uninsured. Like comprehensive coverage, uninsured motorist coverage has a lower deductible than collision coverage.
  • Personal Injury Protection. Personal injury protection (PIP), or no-fault insurance, is similar to uninsured motorist coverage. It covers all medical bills that result from a traffic accident for the driver and any passengers in your car. There is a deductible with PIP, ranging from $500 to $2000.

Repairing Your Hail Damaged Vehicle

Starting the claims process can be confusing. Our guide walks you through everything you need to know to begin filing an insurance claim for hail damage. The information is there for you to review, but let us take care of the filing process for you!

Comprehensive Coverage is Vital

Comprehensive coverage is the most important part of your auto policy when dealing with hail damage. It is the only type of coverage that covers the cost of repairing damage incurred from hail storms. Even though comprehensive coverage requires a deductible, you won’t have to pay anything out of pocket if you bring your hail-damaged car to us. We streamline the process of having your hail damage repaired, from filing the initial claim, picking up and dropping off your vehicle, to completing your repair in a professional and timely manner.

Let Us File Your Auto Insurance Claim For You

We are here to assist you through this sometimes frustrating process. If you have comprehensive coverage, your insurance company covers most of the cost to repair hail damage. And, here is the best part: We cover up to $1000 of your deductible.

We pride ourselves on a quick and stress-free claim approval process. Once we get the repair estimate for your vehicle, we send it off to your insurance company on the same day to make the claim process as fast as possible. Claims are usually approved in one to three days.

If you cannot find the time to bring your car in, do not worry! We offer a free vehicle pick-up and drop-off service. That means we come to pick up your vehicle from wherever it may be, bring it to our shop, then drop it off when your repair is complete.

Start Your Claim Today

Hail damage can devastate the physical state of your vehicle and can dramatically decrease its monetary value. There is absolutely no reason to not get your car repaired after hail damages it, even if it is in perfect working condition. Maintain your vehicle’s value by starting your PDR process today. We’ll file your auto insurance claim and cover up to $1000 of your insurance deductible for you.

Our team of hail repair specialists has the knowledge, skills, and expertise to file your insurance claim in record time and repair your vehicle to pristine condition. While other shops take weeks to get your car back to you, we want to get it back to you as quickly as possible. That is why we offer same-day claims filing and free pick up and drop off.

Call us now at 737-274-0500 or request your FREE auto hail damage assessment today!

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Our mission is to provide a $0 out of pocket cost for our customers while maintaining the same level of quality repair & service! There is a reason our customers continue to return to Hail Specialists year after year.

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