FAQ's
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Below are some of the answers to our most-commonly asked questions. If you still have a question for us, you can use Ada (our chatbot) scroll down and fill out our contact form.Â
We cover your entire deductible (from $500 - $2500). The deductible is reimbursed after your primary insurance provider has accepted your claim.
We do not cover your deductible if the claim under your Auto Insurance Policy has been denied or is less than your deducible amount.
For more information about coverages & exclusions in our policy, visit our Coverages page.
We do not cover your deductible if the claim under your Auto Insurance Policy has been denied or is less than your deducible amount.
For more information about coverages & exclusions in our policy, visit our Coverages page.
We do not cover any claims that are less than your deductible. For example, if your auto insurance deductible is $1000, and damages on your claim are less than $1000, we will not cover that claim.
For more information about coverages & exclusions in our policy, visit our Coverages and ourTerms & Conditions pages.
For more information about coverages & exclusions in our policy, visit our Coverages and ourTerms & Conditions pages.
A deductible reimbursement plan is a supplemental protection policy that pays you back for your insurance deductible after a covered claim. If you’re in an accident or your vehicle is damaged, you’ll still pay your deductible to your insurance company — but with a reimbursement plan, you can file a claim with American Deductible and get that money refunded.
This type of plan works alongside your auto or rideshare insurance and can cover deductibles up to a specified amounts (e.g., $500, $1,000, or $2,500).
Learn how deductible reimbursement works and how you can save money Click Here.
This type of plan works alongside your auto or rideshare insurance and can cover deductibles up to a specified amounts (e.g., $500, $1,000, or $2,500).
Learn how deductible reimbursement works and how you can save money Click Here.
You can lower your out-of-pocket costs by purchasing a deductible reimbursement plan. These plans reimburse you for the amount of your deductible—up to a set limit—after a covered claim. This means if you have an accident or repair claim, your insurance covers the damage and your reimbursement plan covers the deductible, reducing your net expense to $0.
Why this matters: Most drivers raise their deductibles to save on monthly premiums, but this puts them at risk of large out-of-pocket bills. Our plans let you keep a low premium without the financial risk of a high deductible.
Learn how deductible reimbursement works and how you can save money Click Here.
Why this matters: Most drivers raise their deductibles to save on monthly premiums, but this puts them at risk of large out-of-pocket bills. Our plans let you keep a low premium without the financial risk of a high deductible.
Learn how deductible reimbursement works and how you can save money Click Here.
No. Unfortunately, we do not cover damages to or replacements of windshields.
Our coverage does not extend to damage 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.
Your policy will start as soon as you have paid your first month's policy fee to American Deductible.
But, you must wait 30 days before you are eligible to file a claim.
The same 30 day wait period also applies to policies that were cancelled and then reinstated.
To get a policy today, go to our Get a Quote Page and get your account setup in minutes.
But, you must wait 30 days before you are eligible to file a claim.
The same 30 day wait period also applies to policies that were cancelled and then reinstated.
To get a policy today, go to our Get a Quote Page and get your account setup in minutes.
Your policy coverage will stop 30 days after you stop paying your monthly, 6-month, or annual policy. You can cancel coverage at any time by visiting your My Account page and viewing your active policies.
To get a policy today, go to our Get a Quote Page and get your account setup in minutes.
To get a policy today, go to our Get a Quote Page and get your account setup in minutes.
Filing a claim is simple. Just visit our claims page, fill out the claim form and submit all relevant documentation.
We have a 30 day wait period for all new customers prior to being eligible to file a claim. This 30 days wait period also applies to restarted policies after cancellation.
For all policies less than 60 days old or for renewed policies less than 60 days old, we require a dated police report to accompany all claims.
We also require proof from your primary insurance provider stating the initial date of your claim with them, and proof that your claim has been accepted by your primary insurance provider.
To get a policy today, go to our Get a Quote Page and get your account setup in minutes.
We have a 30 day wait period for all new customers prior to being eligible to file a claim. This 30 days wait period also applies to restarted policies after cancellation.
For all policies less than 60 days old or for renewed policies less than 60 days old, we require a dated police report to accompany all claims.
We also require proof from your primary insurance provider stating the initial date of your claim with them, and proof that your claim has been accepted by your primary insurance provider.
To get a policy today, go to our Get a Quote Page and get your account setup in minutes.
No. We do not cover deductibles for Home Warranty plans at this time.
We only cover deductibles on Home Insurance policies.
We only cover deductibles on Home Insurance policies.
Rideshare drivers can protect themselves by enrolling in a Rideshare Deductible Reimbursement Plan. These plans reimburse Uber and Lyft drivers for their deductible expenses—often up to $2,500 per incident—after an eligible accident or damage claim, including when driving for a rideshare platform.
This protects drivers from the high deductible costs common in rideshare insurance policies and helps keep earnings intact after an accident.
See how our plan works for Uber and Lyft drivers Click Here.
This protects drivers from the high deductible costs common in rideshare insurance policies and helps keep earnings intact after an accident.
See how our plan works for Uber and Lyft drivers Click Here.
Yes. A deductible reimbursement plan allows you to recover your deductible after an approved claim. You still pay the deductible upfront, but we reimburse you—often within days—after you provide the claim documentation.
This approach gives you peace of mind and can effectively reduce your true cost to zero after an accident.
Explore our affordable deductible protection options Click Here.
This approach gives you peace of mind and can effectively reduce your true cost to zero after an accident.
Explore our affordable deductible protection options Click Here.
Yes. You can purchase a standalone deductible reimbursement plan separate from your auto insurance policy. These plans are not tied to your insurance carrier and work regardless of your provider. They’re designed to pay you back for the deductible portion of a covered claim—whether it's from an accident, collision, or comprehensive loss.
It’s a smart way to manage risk without switching insurance providers.
Get coverage for your deductible today Click Here.
It’s a smart way to manage risk without switching insurance providers.
Get coverage for your deductible today Click Here.
Our deductible coverages start at $500.
Many of our customers have been able to save even more money by increasing their existing deductible with their primary insurance provider to lower their monthly premiums. Then taking those savings and purchasing deductible coverage with American Deductible, often times resulting in more savings AND full deductible coverage.
For more information about how you can save money with American Deductible by raising your deductible, visit How You Can Save Money page and learn what to do next.
Many of our customers have been able to save even more money by increasing their existing deductible with their primary insurance provider to lower their monthly premiums. Then taking those savings and purchasing deductible coverage with American Deductible, often times resulting in more savings AND full deductible coverage.
For more information about how you can save money with American Deductible by raising your deductible, visit How You Can Save Money page and learn what to do next.
Go to your My Account page by first logging in at AmericanDeductible.com.
Select the policy you would like to update your payment method for and enter your updated information.
Select the policy you would like to update your payment method for and enter your updated information.
Yes. At any time you can upgrade your coverage to a higher deductible.
You must use our ticketing system below to submit a request to increase your deductible coverage.
Make sure you select "Update/Modify Policy" in the "How can we help" section. Also, please include your policy number.
Then tell us how you would like us to update/modify your policy.
For month-to-month policies the new deductible amount will take place AFTER the next billing cycle.
For long-term policies you will be billed the difference in a one-time pro-rated payment for the remaining months on your long term policy.
You must use our ticketing system below to submit a request to increase your deductible coverage.
Make sure you select "Update/Modify Policy" in the "How can we help" section. Also, please include your policy number.
Then tell us how you would like us to update/modify your policy.
For month-to-month policies the new deductible amount will take place AFTER the next billing cycle.
For long-term policies you will be billed the difference in a one-time pro-rated payment for the remaining months on your long term policy.
If you cancel your policy within 24 hours after the renewal date, you will receive a 90% refund of the premium. For monthly term policies, no refunds will be issued for cancellations occurring after 24 hours of the renewal date, and all such sales are final. For policies with 6-month and 12-month terms, you have one week from after the renewal date to receive a 90% refund and one month from after the renewal date to receive a 50% refund. After one month, no refunds are available.
You can update your vehicles or drivers by going to your MY ACCOUNT dashboard and then selecting MY POLICY INFO.
From there, VIEW your policy from the list. Scroll down to POLICY DETAILS. From there you can update your Drivers and/or Vehicles.
If you need to add a driver or vehicle, you must use our ticketing system below to submit a request to update your vehicles or drivers.
Make sure you select "Update/Modify Policy" in the "How can we help" section. Also, please include your policy number.
Then tell us the driver* and/or vehicle you would like to add.
*Driver must be over 21 years of age.
From there, VIEW your policy from the list. Scroll down to POLICY DETAILS. From there you can update your Drivers and/or Vehicles.
If you need to add a driver or vehicle, you must use our ticketing system below to submit a request to update your vehicles or drivers.
Make sure you select "Update/Modify Policy" in the "How can we help" section. Also, please include your policy number.
Then tell us the driver* and/or vehicle you would like to add.
*Driver must be over 21 years of age.
You can only add your children as drivers to our deductible coverage policies if they are 21 years of age or older.
You can still include the extra vehicle under our coverage, but it will only be covered if you or someone else listed on your policy is over 21.
You can still include the extra vehicle under our coverage, but it will only be covered if you or someone else listed on your policy is over 21.
Still have a question for us?
Please feel in the contact form below and one of our customer representatives will get in touch with you ASAP.
Head office address:
3556 Hartford Way Vlg, Mount Pleasant, SC, 29466, Australia.
Email Us:
info@americandeductible.com
