What's a typical comprehensive deductible?

$500 is the most common in the KC market. Other common amounts: $100, $250, $1,000, $2,000. Higher deductible = lower premium, but more out-of-pocket risk when damage happens. If you have multiple vehicles on one policy, each typically has its own comprehensive deductible.

Is my deductible per claim or per year?

Per claim. If you file two separate hail claims from two separate storms in the same year, you pay two separate deductibles. Some carriers have multi-event hail provisions that consolidate claims from the same storm — worth asking your agent about.

What is "deductible assistance"?

A shop program that offsets part or all of your deductible on qualifying claims. Terms vary by claim size and vehicle. Deductible waiver practices are legally gray in both MO and KS (no statute explicitly permits or prohibits), so we don't advertise specific dollar amounts on the website — we discuss terms with you during the estimate process. Ask us.

Can I use multiple deductibles?

If you have multiple damaged vehicles from the same storm, each one has its own comprehensive deductible. The exception: some carriers offer multi-vehicle discount policies that cap total household deductible in a single event.

Insurance claims guide

What is a comprehensive deductible — and do I really have to pay it?

A deductible is what you pay out of pocket before your insurance pays the rest. On a $4,000 hail repair with a $500 deductible, your insurer pays $3,500 and you pay $500. Simple math, until you factor in two wrinkles that matter on hail claims specifically.

How deductibles work on comprehensive vs collision

Your auto policy has two separate deductibles — one for collision (accidents with other vehicles or objects) and one for comprehensive (hail, theft, wind, falling trees, deer strikes). They're independent. You can have a $1,000 collision deductible and a $250 comprehensive deductible, or vice versa. Most KC-metro drivers carry $500 on both.

Your comprehensive deductible is what applies to every hail claim. If you're not sure what it is, check your insurance app or call your agent. You can also find it on your declarations page (the summary document your carrier sends at renewal).

When filing makes financial sense

Run the math: estimated repair cost minus deductible = what insurance covers. If the repair is $1,200 and your deductible is $1,000, you're only getting $200 from insurance — and you've used a claim slot on your record. That's rarely worth it.

If the repair is $4,000 and your deductible is $500, insurance covers $3,500 — filing makes obvious sense. For everything in between, it depends on your risk tolerance, claim history, and whether a claim would affect your renewal.

What "deductible assistance" actually means

Some repair shops (us included) offer programs that cover part or all of your deductible on qualifying claims. The legality is state-by-state — in Missouri and Kansas, deductible waivers aren't explicitly permitted or prohibited, so we discuss specific terms during the estimate rather than advertising dollar amounts publicly. The bottom line: most of our insurance customers pay nothing out of pocket.

Ask us about it when we talk. We'll tell you straight whether your specific claim qualifies.

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Should I file a hail damage claim?

Answer two questions. We'll give you a straight recommendation with a repair estimate range — no email, no phone number, no strings.

1. How bad is the damage?

2. What's your comprehensive deductible?$500

$0$100$250$500$1k$2k

Recommended: File

Yes — this is exactly what comprehensive insurance is for.

Estimated repair: $3,500–$8,000. After your $500 deductible, you're looking at $3,000–$7,500 the insurer covers. Hail claims typically don't raise rates, and deductible assistance may be available.

Start Your Claim Read the full insurance guide

This tool is an estimate, not legal or insurance advice. Repair costs vary by vehicle, damage pattern, and carrier. Your insurer has the final say on claim specifics.

Deductible FAQ

What customers ask about paying their deductible.

What's a typical comprehensive deductible?

$500 is the most common in the KC market. Other common amounts: $100, $250, $1,000, $2,000. Higher deductible = lower premium, but more out-of-pocket risk when damage happens. If you have multiple vehicles on one policy, each typically has its own comprehensive deductible.
Is my deductible per claim or per year?

Per claim. If you file two separate hail claims from two separate storms in the same year, you pay two separate deductibles. Some carriers have multi-event hail provisions that consolidate claims from the same storm — worth asking your agent about.
What is "deductible assistance"?

A shop program that offsets part or all of your deductible on qualifying claims. Terms vary by claim size and vehicle. Deductible waiver practices are legally gray in both MO and KS (no statute explicitly permits or prohibits), so we don't advertise specific dollar amounts on the website — we discuss terms with you during the estimate process. Ask us.
Can I use multiple deductibles?

If you have multiple damaged vehicles from the same storm, each one has its own comprehensive deductible. The exception: some carriers offer multi-vehicle discount policies that cap total household deductible in a single event.