Application of Deductibles Explained by Online Auto Insurance

A new FAQ from OnlineAutoInsurance.com goes into the specifics of what car insurance deductibles are and how they are applied.

2011-04-13

RANCHO CUCAMONGA, CA, April 13, 2011 (Press-News.org) Last month, information-services firm Quality Planning announced that an analysis of 2006-2010 American car insurance data for nearly 60 million vehicles showed many older-car owners were electing to either drop collision coverage or, if they opted to purchase such coverage, raise the deductible in order to realize premium savings. In a new FAQ published at OnlineAutoInsurance.com, the writers discuss just what deductibles are and how they are applied in the event of a claim.

Basically, a deductible is a set amount of money that a policyholder has agreed to pay for repairs before comprehensive and collision coverage kicks in. So if a driver sustains $1,500 in property damages from an accident that he or she has caused and has collision coverage with a $500 deductible, he or she may have to pay the $500 deductible, and the insurance provider may cover the remaining $1,000 on the repair bill.

According to the site, deductibles for collision and comprehensive coverage commonly come in the amounts of $0, $250, $500 or $1,000. The amount that a policyholder chooses to go with will affect the price of the premium as well as how much the driver will have to pay out of pocket in the event that a claim is filed.

There are, however, exceptions to the application of comprehensive deductibles in some parts of the country. Auto insurance companies in Florida and a number of other states, for example, are not allowed by law to charge policyholders a deductible for windshield replacement. The reason for this is to encourage consumers to promptly get cracked or broken windshields fixed in order to avoid the serious hazard of a windshield shattering.

Source: http://www.myfloridacfo.com/

To learn more about this and other insurance issues, readers can go to http://www.onlineautoinsurance.com/florida/ where visitors will find informative resource pages and a quote-comparison generator that can be used to help find the best rates for a policy.

To access the full FAQ, visitors should follow the "Questions" link located at the top of any page on the site.

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