Can insurance charge more than one deductible from the insured? check out

Find out here whether the insurance can charge more than one deductible from the insured and ask any questions you may have on the subject.

Often, people suffer more from a claim and, when they contact the contracted insurance company, they are faced with more than one deductible charge, without knowing whether this is allowed.

If you, like most people, have doubts about this type of charge made by insurance companies. Follow this article and find out if the insurance can charge more than one deductible from the insured.

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Understand how the insured's deductible works

In order for you to fully understand whether insurance can charge more than an insured person's deductible, you need to understand how deductibles work. First, it is important to say that the deductible is only charged in cases of partial loss.

In other words, when claims or accidents occur, in which material losses amount to less than 75% of the value of the car, according to the FIPE table, or according to the value determined in the policy, this will depend on your contract.

In cases of damage equal to or greater than 75% of the car's value, the loss is considered total, and the compensation is full, without charging a deductible.

How are deductibles charged?

The deductible is called 'POS' by insurers (mandatory participation of the insured), and is charged whenever the insurance is activated and the loss is not total. It is up to the insured to pay the deductible amount, and the insurer to cover the difference in loss.

And as a general rule, yes, insurance can charge more than one deductible to the insured. Since deductibles are charged for each isolated claim. Which means if you crash your car in February, and again in April, you'll pay two deductibles. One for each crash, one for each time you claim the insurance.

Current insurance contract clauses guarantee that the deductible is charged for independent events. Which means that determining the charge for the deductible is not related to the number of collisions or accidents, but rather the origin of each of them.

Even if collisions coincide and occur on the same day, if they occurred for different reasons, two deductibles will be charged, one for each situation.

What if you are the victim of the accident?

Even if you are the victim of the accident, that is, someone else has hit your car. When you claim your insurance, you will have to pay the deductible, and even in these cases, the insurance may charge more than one deductible from the insured.

What differs in these situations is that both you and the insurance company can demand reimbursement of the amount paid for the deductible and the repair of the car from the person who caused the accident.

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