A car insurance deductible is what you pay “out of pocket” on a claim before your insurance covers the rest. Collision protection, all-risk, coverage for uninsured and personal injury drivers typically have an auto insurance deductible. You can generally choose between a low deductible and a high deductible. A low deductible means a higher insurance rate, while a high deductible means a lower insurance rate.
Pay bills, file a claim, and more. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If your car insurance deductible is greater than the cost of damage to your vehicle, you'll pay the full cost out of your pocket, since the insurer only covers damages that exceed the amount of the deductible. Liability is mandatory auto insurance coverage in 49 states, while comprehensive and collision coverage are optional if the car is paid for.
Some of the products and services referred to on this page and that are available to you through Progressive are provided by other insurers and companies that are not affiliated with Progressive. Progressive insures tens of thousands of people across the state of North Carolina, but there are times when claims are denied. The medical payment coverage in your auto insurance policy will cover your co-worker's hospital bill up to the limits of your policy. An experienced car accident lawyer in Raleigh will examine every aspect of the claim, gather the evidence needed to prove liability, and examine your insurance policy.
Car insurance coverages vary depending on individual and state needs, but almost all policies contain liability coverage. Progressive offers a variety of insurance options for your peace of mind on the road, under your roof and in your daily life. If you live in a state where cracked windshields are common, you might want to choose a low car insurance deductible to replace your windshield. You can opt for a higher car insurance deductible because you're betting against having an accident, but if you've had accidents in the past and drive often on higher-traffic roads, you're more likely to file a claim and pay a deductible.