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What is comprehensive deductible?

Let's take a look what comprehensive deductible means for your car insurance

Published on : 
September 19, 2021
Updated on : 
March 1, 2022

Comprehensive coverage helps cover damage to your car that is not the result of a collision or upset. These damages could be:

  • Fire
  • Theft
  • Vandalism
  • Natural disasters such as hurricane, tornado, flood, or hail
  • Falling objects
  • Damage done to your car by animals such as moose in Canada
  • A civil disturbance like a riot that results damages to your car

What is comprehensive deductible?

This coverage, as in others, might be subject to a deductible amount. Therefore, comprehensive deductible is the amount you are responsible for paying if one of the damages happen to your own car.

Let's say your comprehensive coverage has a deductible amount of $2,000, and your car's windshield is broken by a fallen tree. If it costs $1,200 to repair it, your insurance company is not going to cover this claim as it's lower than your deductible amount. That's why you'll be paying the $1,200 out of pocket. Conversely, if it costs $2,500 to repair it, then your insurance company will pay $500, and you'll be responsible for paying $2,000 out of pocket.

While most insurance companies put deductible on their car insurance policy, you can get this amount paid off entirely with the Allegory Deductible Waiver product. Click here to learn more or download the Allegory App today to subscribe to our pay-as-you-go deductible wavier product.

Have a safe drive!

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