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Auto Insurance Claims/Waiving the Deductable

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Expert: - 3/26/2009


Question
A single vehicle traveling slowly on a snow covered road sliding off the road hitting a utility pole.  Is there anyway of getting the $500 deductible waived?

Answer
Hi Stephen,

Unfortunately, no. When you purchase an auto policy, you determine the deductible. The deductible is the amount that you have agreed to be self insured for. Meaning that you will pay the first $500.00 each and every time you have an incident. The premiums are based on the fact that the insurance company will not be paying the first $500.00 of any incident. So it is a contractual issue that the insurance company will not just waive.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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