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Back to FAQ.
Do I always have to pay a deductible?
Insurance on your own vehicle is usually subject to a deductible, in which you pay a specific amount toward the cost of repairs. Some people prefer a larger deductible because it lowers the premium. However, deductibles may be waived in certain non-accident situations, such as a car lost to fire, lightning, or theft, and in certain accident situations where the other driver is totally at fault.
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