Deductibles usually don't practice to repairs for miniature windscreen cracks.
This type of scenario usually occurs if you have some type of auto accident or theft to a rental car. Some credit card companies will assist with any deductible owed for a rental car as long as you used their card to pay for it. For example, if your credit card company says that they will pay over and above your regular insurance company up to a $50 deductible, you will end up paying only $50, even though the amount of the collision or comprehensive deductible on your auto policy is much higher. It will help you calculate your deductible correctly.
Instructions
1. Confirm that the deductible listed on your auto policy is still correct. Over the past decade, a lot of insurance companies have changed the amount of the lowest deductible for collision coverage from $150 to $200 or $250. Unfortunately, the only notification that auto policyholders received about it was through the mail. If you are like many people, this letter probably just went into the trash unread. So call your auto insurance company as soon as you have an accident covered under collision and go over your deductible amount.
2. Verify that your auto insurance company considers your accident to be only one event. If you were hit twice on the same day and the impacts were not consecutive within a five-minute period, your auto insurance company might consider the incident to be two separate accidents. As a result, they would charge you for two deductibles under your collision coverage. The $250 deductible listed on your auto policy would turn into a $500 one.
3. Find out if your auto insurance company thinks that you are at fault for causing the accident. Some auto insurance companies will waive your collision deductible all together if they believe you are an innocent party in an accident. So find out right away whom they believe is responsible. You just might end up paying nothing for a collision deductible.
4. See if a second insurance company will contribute to the accident.Calculating a deductible for machine insurance should be an elementary growth. It should simply be the magnitude listed on your auto policy. Right? Wrong! Besides the fact that two different deductibles apply for both collision and comprehensive coverage, different scenarios in regards to a car accident can increase or change the amount of your deductible. As a result, it’s important to understand which one applies to your situation.
5. Review your auto policy benefits to see if they waive your collision or comprehensive deductible in certain types of losses. A small windshield crack covered under comprehensive is a loss that most automobile insurance companies waive the deductible on and even direct you to a repair shop for free. Go over your auto policy and see if you have this kind of benefit or call your auto insurance company and ask a representative.
