{"id":2305,"date":"2024-06-28T16:25:56","date_gmt":"2024-06-28T21:25:56","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/making-sense-of-your-car-insurance-deductible\/"},"modified":"2025-08-27T10:03:26","modified_gmt":"2025-08-27T15:03:26","slug":"making-sense-of-your-car-insurance-deductible","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/making-sense-of-your-car-insurance-deductible\/","title":{"rendered":"What Is a Car Insurance Deductible?"},"content":{"rendered":"\n<p>One of the first questions<a href=\"https:\/\/www.thegeneral.com\/blog\/car-insurance-for-new-drivers\/\" target=\"_blank\" rel=\"noopener\"> new drivers<\/a> ask when shopping for insurance is, \u201cWhat does \u2018deductible\u2019 mean in<a href=\"https:\/\/www.thegeneral.com\/blog\/cheap-car-insurance-companies\/\" target=\"_blank\" rel=\"noopener\"> car insurance<\/a>?\u201d You may be wondering why so much consideration is given to the deductible amount. <span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">Choosing an auto insurance deductible<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">\u2014<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">the amount you\u2019ll have to pay out of pocket <\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">when making a <\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">claim before<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\"> your insurance covers the rest<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">\u2014<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">is an important <\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">part of securing quality coverage<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">.<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\"> Learn what your deductible means for your <a href=\"https:\/\/www.thegeneral.com\/blog\/car-insurance-policy-guide\/\" target=\"_blank\" rel=\"noopener\">car insurance policy<\/a><\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\"> and how to choose the right one<\/span><\/span><\/span><span class=\"TrackChangeTextInsertion TrackedChange SCXW190672242 BCX0\"><span class=\"TextRun SCXW190672242 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW190672242 BCX0\">.<\/span><\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\"><strong>Key Takeaways<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Out-of-Pocket Costs:<\/strong> You pay your deductible amount first before insurance covers the rest of the repair costs.<\/li>\n\n\n\n<li><strong>High vs. Low Deductibles:<\/strong> High deductibles mean lower premiums but higher out-of-pocket costs during a claim, while low deductibles do the opposite.<\/li>\n\n\n\n<li><strong>When to Pay:<\/strong> Deductibles are paid for collision, comprehensive, and sometimes uninsured\/underinsured motorist claims, but not for liability claims.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-do-i-need-to-know-about-car-insurance-deductibles\"><strong>What Do I Need to Know About Car Insurance Deductibles?<\/strong><\/h2>\n\n\n\n<p>The deductible is the amount \u201c<a href=\"https:\/\/www.thegeneral.com\/car-insurance\/faq\/c\/auto-insurance-101\/\">deducted<\/a>\u201d from the cost of car repairs resulting from collisions or other accidents. It is the amount you must pay out of pocket before insurance covers the rest of your expenses. For example, if your deductible is $500 and your car repairs cost $2,000, the insurance company will only pay $1,500 of the bill. If the car is damaged badly, your <a href=\"https:\/\/www.thegeneral.com\/car-insurance\/basics\/\">collision and comprehensive coverage<\/a> will pay up to the amount of your policy\u2019s limit or the value of your vehicle. When the damage outweighs the car\u2019s value, the insurance adjuster considers it a <a href=\"https:\/\/www.thegeneral.com\/blog\/totaled-car-after-an-accident\/\" target=\"_blank\" rel=\"noopener\">total loss, or \u201ctotaled.\u201d<\/a>&nbsp;Your deductible will be subtracted from any settlement made on a claim.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-i-pay-a-car-insurance-deductible-on-a-liability-claim\">Do I Pay a Car Insurance Deductible on a Liability Claim?<\/h2>\n\n\n\n<p>Car insurance deductibles are related to <a href=\"https:\/\/www.thegeneral.com\/blog\/how-the-car-insurance-claims-process-works\/\" target=\"_blank\" rel=\"noopener\">claims<\/a> on collision and comprehensive coverage, not <a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-liability-car-insurance\/\" target=\"_blank\" rel=\"noopener\">liability<\/a> claims. <a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-comprehensive-car-insurance\/\" target=\"_blank\" rel=\"noopener\">Comprehensive coverage<\/a> involves damage to the car from incidents other than collisions. These incidents might include hailstorms, tree limbs falling on the car, fire, and similar issues. Comprehensive coverage also includes theft. If your car is stolen and never recovered, you receive the value of your vehicle at the time of the crime minus your deductible.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.investopedia.com\/terms\/a\/automobile-liability-insurance.asp\">Liability coverage<\/a>&nbsp;involves damage a driver causes to another person or someone else\u2019s property. While there is no deductible on liability insurance, your coverage extends only to the limit of your policy.<\/p>\n\n\n\n<p>Deductibles can also apply to <a href=\"https:\/\/www.thegeneral.com\/blog\/how-rate-uninsured-drivers-has-changed-over-time-every-state\/\" target=\"_blank\" rel=\"noopener\">uninsured or underinsured motorist coverage<\/a> in some states. If an uninsured driver hits your car, or you are struck by a driver with insufficient liability insurance for property damage, this type of coverage will pay the repair bills or reimburse you up to your coverage limit after the auto insurance deductible is paid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-do-i-pay-my-car-insurance-deductible\"><strong>When Do I Pay My Car Insurance Deductible?<\/strong><\/h2>\n\n\n\n<p>Understanding when you\u2019ll need to pay your car insurance deductible can help you manage your expenses. Typically, you pay your deductible under the following circumstances:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Collision Claims<\/strong>: If you\u2019re in an accident and need repairs, your deductible is paid out of pocket before your car insurance covers the remaining costs. This applies whether you\u2019re at fault or not, though your deductible might be reimbursed if the other driver is found responsible.<\/li>\n\n\n\n<li><strong>Comprehensive Claims<\/strong>: If your car is damaged due to non-collision events like theft, vandalism, natural disasters, or falling objects, you\u2019ll pay the deductible amount first before your car insurance kicks in.<\/li>\n\n\n\n<li><strong>Uninsured\/Underinsured Motorist Claims<\/strong>: In some states, if you\u2019re hit by a driver without insurance or with insufficient coverage, you\u2019ll need to pay your deductible for the repairs, after which your auto insurance covers the rest, up to your policy\u2019s limits.<\/li>\n<\/ol>\n\n\n\n<p>Remember, each claim is treated individually, so you\u2019ll need to pay the deductible for each separate incident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-car-insurance-deductibles-work\"><strong>How Do Car Insurance Deductibles Work?<\/strong><\/h2>\n\n\n\n<p>Keep in mind that car insurance deductibles do not work the same way as health insurance deductibles. With health insurance, after you have met your deductible for the year, you generally only pay any required copayments for additional services. With car insurance deductibles, each claim is considered on its own. For example, if you have a $500 deductible and are involved in two collisions during a one-year period, you must pay $500 out of pocket for each incident before your car insurance coverage kicks in. On the other hand, if you are involved in several minor accidents in which the damage never exceeds $500, you are responsible for all the payment<span class=\"NormalTextRun SCXW27542063 BCX0\">s<\/span><span class=\"NormalTextRun SCXW27542063 BCX0\">\u2014<\/span>a $499 bill is on you.<\/p>\n\n\n\n<p>If you opt for a lower deductible, say $250, you will pay $250 of that same $499 bill. With an even lower deductible, like $100, the insurance company pays $399.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-i-pay-my-car-insurance-deductible-if-i-m-not-the-at-fault-driver\"><strong>Do I Pay My Car Insurance Deductible If I&#8217;m Not the At-Fault Driver?<\/strong><\/h2>\n\n\n\n<p>Car insurance deductibles are usually required when you are the&nbsp;at-fault driver. If you were not at fault, the other driver\u2019s insurance company should pay your repair bills, up to the limits of the policy. If it is not clear who was at fault, the insurance company must investigate. This investigation can take some time, however; your car is probably waiting in the repair shop.<\/p>\n\n\n\n<p>If you need your car back to go to work and run errands, you might end up paying the auto insurance deductible out of pocket. If that happens and the other driver is later found responsible for the collision, you should get your deductible back after the two <a href=\"https:\/\/www.thegeneral.com\/blog\/cheap-car-insurance-companies\/\" target=\"_blank\" rel=\"noopener\">insurance companies<\/a> finish looking over the evidence. Essentially, the other driver\u2019s insurance company pays your insurance company, and you receive a deductible reimbursement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-choosing-the-right-car-insurance-deductible\"><strong>Choosing the Right Car Insurance Deductible<\/strong><\/h2>\n\n\n\n<p>Figuring out the right deductible for your car insurance depends on your individual circumstances. Consider your finances and risk levels before deciding on a number.<\/p>\n\n\n\n<p>If affordability is your #1 concern, you may want to choose a higher deductible to <a href=\"https:\/\/www.thegeneral.com\/blog\/how-to-combat-rising-car-insurance-premiums-2023\/\" target=\"_blank\" rel=\"noopener\">lower your premiums<\/a>. However, while you can save money by selecting a high premium, that only makes sense if you have ready access to that amount of cash. If you get into an accident and cannot pay the repair deductible, you might end up having to take out a loan or pay off a high-interest credit card.<\/p>\n\n\n\n<p>If your car is worth a lot of money, you will most likely pay higher<a href=\"https:\/\/www.thegeneral.com\/blog\/how-to-lower-your-car-insurance-premiums\/\" target=\"_blank\" rel=\"noopener\"> premiums<\/a>. If you go with a high car insurance deductible, you could end up with substantial savings.&nbsp; If your car is older and lower value, you might want a lower deductible as your repairs won&#8217;t exceed the price of a high deductible.<\/p>\n\n\n\n<p>Make your decision by doing the math. Figure out what you would pay for a $1,000 deductible, a $750 deductible, and a $500 deductible. Determine your savings while keeping in mind that you don\u2019t know if you\u2019ll have an accident during the year, and go with the amount that provides the most savings with the protection you want.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-high-vs-low-deductible-car-insurance\"><strong>High vs. Low Deductible Car Insurance<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.thegeneral.com\/blog\/cheap-car-insurance-companies\/\" target=\"_blank\" rel=\"noopener noreferrer\">Save money on your premiums<\/a> by opting for&nbsp;high deductible car insurance. The downside is that if an accident occurs, you must pay more out of pocket for repairs than if you carried a lower&nbsp;auto insurance deductible.<\/p>\n\n\n\n<p>Weigh the pros and cons of a high versus a low deductible by figuring out how much you can afford to pay in a worst-case scenario. If you have the means to pay more out of pocket without seriously impacting your lifestyle, choosing a high deductible might be the best way to go. If your budget is very tight, you will probably be better off with a lower deductible albeit with higher premiums. That arrangement offers you more financial protection in case your car is wrecked in a crash.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-claim-process\"><strong>The Claim Process<\/strong><\/h2>\n\n\n\n<p>If you are involved in a car accident and your vehicle is damaged, file a claim with your insurance carrier to get it repaired. You must file the claim as soon as possible. Provide the insurance company with the names, insurance companies and contact information of anyone involved in the collision. Let the insurer know when and where the accident happened and send photos of the damage. You should also send a copy of the police report. Always call the police after a car accident, even if it seems no one was hurt and there was little damage. Failing to report an accident and then discovering the damage is worse than you thought means the insurance company may not pay your claim.<\/p>\n\n\n\n<p>When you report the accident, an insurance adjuster inspects your car and checks out the damage. Viewing the damaged vehicles and seeing where and how they were hit helps the company gather evidence and determine who is at fault. Afterwards, the adjuster estimates repair costs. You may have to use an approved repair shop if you can&#8217;t go with one of your choosing. The repair shop submits a report regarding the cost of repairs and the insurance company must approve it.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.thegeneral.com\/car-insurance\/basics\/claims\/\">File any claims\u00a0<\/a>easily with The General. Car accidents are stressful but filing the claim doesn\u2019t have to be.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-general-can-help-nbsp\"><strong>The General\u00ae Can Help&nbsp;<\/strong><\/h3>\n\n\n\n<p>At <a href=\"https:\/\/www.thegeneral.com\/blog\/news\/reviews\/\" target=\"_blank\" rel=\"noopener noreferrer\">The General<\/a>, we understand that car insurance can be complicated. Choosing a deductible can seem overwhelming, but our team is here to answer any questions you have to help you choose the best policy for your unique situation. Just give us a call today or <span class=\"TrackChangeTextInsertion TrackedChange SCXW98542525 BCX0\"><span class=\"TextRun SCXW98542525 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW98542525 BCX0\">get a <\/span><\/span><\/span><a class=\"Hyperlink SCXW98542525 BCX0\" href=\"https:\/\/www.thegeneral.com\/quote\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun SCXW98542525 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW98542525 BCX0\"><span class=\"TextRun Underlined SCXW98542525 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW98542525 BCX0\" data-ccp-charstyle=\"Hyperlink\">free quote online<\/span><\/span><\/span><\/span><\/a><span class=\"TrackChangeTextInsertion TrackedChange SCXW98542525 BCX0\"><span class=\"TextRun SCXW98542525 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW98542525 BCX0\"> in under two minutes to see how much you can save<\/span><\/span><\/span>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn what a car insurance deductible is and whether you should have a large or small one. The General breaks down the word deductible when applied to car insurance.<\/p>\n","protected":false},"author":7,"featured_media":2308,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-2305","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is a Car Insurance Deductible? | The General<\/title>\n<meta name=\"description\" content=\"Learn what a car insurance deductible is and whether you should have a large or small one. 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