deductible in comprehensive insurance

Comprehensive insurance deductible ratio

It is necessary to know the documents that include in their clauses the deductible percentage, but you should also know that the deductible percentage is one of the insured’s obligations towards the insurance company first and that it is related to the repairs of your vehicle only and not the third-party vehicle

The unified insurance policy to insure the vehicle from civil liability towards third parties, which is known among insurance companies and policyholders as third party insurance

The unified vehicle insurance policy against loss and damage, which is for vehicles that have been damaged as a result of a collision caused by the driver himself.

It must be noted that both policies together constitute a comprehensive insurance policy, which covers third party damages and damages

your vehicle both

Based on the unified insurance policies approved by the Authority, the deductible percentage is not covered by third party insurance policies, but comprehensive insurance policies. Regardless of who was at fault for the crash, the insurance company will charge you the deductible to make the necessary repairs

When do I pay the deductible?

And the deductible percentage is paid in the following cases

If you were the cause of the accident -

- If you were mistaken by a certain percentage, starting from 25 percent to 75 percent

There is a dispute about the fault, in which case you will have to pay the deductible until your car is repaired, and then compensate you later -

If the driver at fault is not insured and cannot pay compensation -

The escape of the offender from the scene of the accident without any indications indicating his character or data.

The car was stolen -

Damage to the car due to natural factors -

car vandalism -

The mechanism of each company differs from the other, so it is preferable when purchasing a comprehensive insurance policy to ask the insurance representative about the cases in which you will have to pay the deductible percentage, and the cases in which you will not have to pay.

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