Coverages
American Deductible provides deductible reimbursement coverage for several insurance services including auto insurance, Uber/Lyft insurance, and home insurance.
American Deductible only covers deductibles where claims have been submitted and accepted by your primary insurance carrier first.
The amount of the claim must exceed your deductible coverage by at least $1 for American Deductible to accept your claim.
What is Covered
- Coverage is contingent upon claim acceptance by your primary insurer.
- Coverage claim exceeds that amount of your deductible.
- Â Auto deductible includes both collision and comprehensive.
What IS NOT Covered
- Claims that are denied by your primary insurance are not eligible for deductible reimbursement from American Deductible.
- Coverage claims that total an amount lower than your deductible coverage are not eligible for deductible reimbursement from American Deductible.
Coverage Exclusions:
Exclusions from Coverage (Auto):
- Windshield damage and replacement due to road debris is excluded.
- Vehicle theft: Our coverage does not extend to vehicles that have been stolen. We recommend taking preventive measures such as installing anti-theft devices and following local laws and guidelines to minimize the risk of theft and protect your valuable assets.
- Intentional Damage: Acts done on purpose by the policyholder, including intentional accidents.
- Racing and High-risk Activities: Incidents occurring during racing, speed contests, or similar high-risk activities.
- Commercial Use: Damages incurred while the vehicle is used for commercial activities, excluding those covered by specific endorsements like Uber/Lyft.
- Impaired Driving: Accidents happening while the driver is under the influence of drugs or alcohol.
- Wear and Tear: The usual deterioration or mechanical failures of the vehicle.
- Unauthorized Use: If the vehicle is driven without permission or outside the policy terms.
- Excluded Drivers: Accidents caused by drivers explicitly excluded from the policy.
- Off-road Driving: Damages from driving on non-standard roads or terrains.
- Fraudulent Claims: Claims found to be fraudulent or based on false information.
- Geographical Restrictions: Coverage may not apply to incidents occurring outside the designated coverage area, such as international territories unless specifically included in the policy.
- Vehicle Eligibility: Certain types of vehicles, including but not limited to exotic cars, motorcycles, and commercial vehicles, may be excluded from coverage unless specifically covered under the policy terms.
- Previous Damage: Damages that pre-date the policy start date or are due to unresolved maintenance issues are not covered.
- Acts of Terrorism: Damages resulting directly or indirectly from terrorism or terrorist acts are excluded from coverage.
- Natural Disasters and Extreme Conditions: Damage from floods, earthquakes, landslides, volcanic eruptions, and similar events, including “acts of God” and “Named Storms.”
- War, Insurrection, and Nuclear Hazards: Damages caused by war activities, nuclear reactions, or radiation.
Exclusions from Coverage (Home):
- Fraudulent Claims: Claims found to be fraudulent or based on false information.
- Natural Disasters and Extreme Conditions: Damage from floods, earthquakes, landslides, volcanic eruptions, and similar events, including “acts of God” and “Named Storms.”
- War, Insurrection, and Nuclear Hazards: Damages caused by war activities, nuclear reactions, or radiation.
- Damages or losses caused by wildfires, including but not limited to fires originating from forest, brush, or grassland areas.
- We do not provide liability coverage for injuries or accidents that occur in or around swimming pools, including but not limited to drowning, slips, falls, or diving accidents.
- Our coverage does not include damages to swimming pools, pool equipment, or pool accessories.
