What is a Deductible?

Your deductible is the part of your Autopac claim for damage to your vehicle for which you are responsible. Your Autopac insurance covers the amount over your deductible (up to your policy limit, in most cases $50,000).

Each incident of loss or damage equals one claim, with a deductible for each claim. For example, two separate collisions are two separate claims, with a deductible for each. Or, if you have hail and collision damage, each is its own claim with its own deductible.

The basic deductible for most cars, SUVs, light trucks and motorcycles is $500. You can choose to purchase a lower deductible. For other types of vehicles, the basic deductible may be different.

How Deductibles Work

Let's look at a couple of examples.

If your total claim is $2,000 and you have a $500 deductible, $500 is the amount you would be expected to pay (your deductible in other words) and $1,500 would be our portion.

Now let’s say your total claim for vehicle damage is $350. You can see that, now, your whole claim falls within your $500 portion. That means we can't pay for any of the damage from your own coverage-none of it falls into our portion. However, if another driver caused the collision, you can claim this damage from the other driver's insurance.