Question about Car insurance?

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taylor m	No, that means THEY will pay $500. Was this answer helpful to you? Yes / No

ioannacardish	It means that insurance will pay after the policy holder covers the first $500.00. Was this answer helpful to you? Yes / No

roy_glen2003	I wouldn't bother to make a claim. I had GEICO insurance for over 40 years and had my first accident about two years ago which was considered my fault. GEICO doubled my insurance three months later. Was this answer helpful to you? Yes / No

santosh5002003	dont knw Was this answer helpful to you? Yes / No

S17V	You always are responsible for the deductible, regardless of fault - your comprehensive coverage and your collision coverage have their OWN deductibles WHICH YOU CHOOSE. Think of it this way - if you didn't have comprehensive coverage - you would have to pay the whole thing! So yes - if you want to get the vehicle repaired, you have to pay the $500. Well a more accurate description - you pay the first $500 and your insurance covers anything more. SO if the damages are only to the back side window and the repairs are $100, then you pay the $100. If you didn't understand how the coverage worked, you should have asked your agent. This is standard across all insurance companies. This is not something that is Geico specific. Was this answer helpful to you? Yes / No

xwdguy	Comp deductibles may or may not come with full glass coverage; find out if you have this (it often says FG on the policy, but not always). $500 deductible means you pat the first $500 of damage to your vehicle before the company kicks anything in. But Full Glass coverage has a $0 deductible. Call GEICO, give your policy number, say you're not filing a claim but have a question about tyour coverage, and ask if you have Full Glass as part of your comp. Was this answer helpful to you? Yes / No

the_last_username_on_earth	Insurance deductibles work like this: You pay the deductible, and if the service/repair costs any more than that, the insurance company pays the rest. So if that window replacement costs $300 (it won't be that cheap), you pay $300 and Geico pays $0 If it costs $800, you pay $500, Geico pays $300 If it costs $15,000, you pay $500 and Geico pays $14,500 (of course if it was that much, they would just "total" the value of the truck, but that's something different entirely). By now you're probably saying, "Well what the hell is the purpose of insurance then!?" Understandable, but keep this in mind - the less the company is liable for, the less you pay per month. So if you had that same plan, but with only a $300 deductible, you'd be paying them more a month for insurance. On the other hand, if you upped your deductible to $800, you're insurance payment would be lower. Hope that helps! Was this answer helpful to you? Yes / No

rikki	You are responsible for the first 500. BUT since it is a comp loss it will NOT raise your rates at all. Comp losses are considered "acts of god" and are deemed unpreventable. (hail damage, flood, tornado, bad kid throwing a baseball at your car, etc.) Was this answer helpful to you? Yes / No

luv2fish2extremes	A $500 deductible means you pay the first $500 and the insurance covers after that. A back window is only going to cost $200 or less so you will have to pay for it yourself. Was this answer helpful to you? Yes / No

cathyes	The baseball would be considered a falling object, which is covered under the comprehensive coverage. If you want to report it to your insurance, you call and make a claim and either take it to one of their shops or the appraiser comes out and takes a look at it. The first $500 you are responsible for, the rest the insurance picks up. In some states (such as Arizona) there is what is called a glass waiver...meaning anything that has to do with glass there is no deductible. If I were you, I would first go to a shop and get an estimate and then call Geico to see if you have the glass waiver on your policy. Only make a claim if the damage is over your deductible. The good thing, comprehensive claims don't go against you as an at-fault accident. Was this answer helpful to you? Yes / No

Bob Butternut	This means that you will have to spend $500 before your insurance will kick in, so I would say that you would not want to report this as a claim it will only hurt your rates. email me if you need more details. Was this answer helpful to you? Yes / No

Barry auh2o	I ;laugh at I posts like this ( I'm sorry, I can't resist this. ) people are on their cell phones all bleepin" day, but if you ask, did you call your ins co,the answer is, well, no, Call them.the deductable for glass might be $100.00.on mine it is. This is an accident, not a collision. He (husband) was not neglectful,he did nothing to cause it,and it should not affect your rate. Call and ask. Was this answer helpful to you? Yes / No

MrAnswers	As many have mentioned, you will have to pay the first $500 of any claim. But what you want to be checking is if you have glass coverage? I personally have a $1000 excess on my policy but have glass coverage, so if a window needs replacing i am not paying a penny (just replaced my windscreen and it would have cost me over $650!) Was this answer helpful to you? Yes / No

gandolphus	That means you have to pay the first $500, then they will pay the rest of the damage. Was this answer helpful to you? Yes / No

emanon	I'm with the others.. You have to pay.. Unless you selected the "Extra" glass coverage. Which most companies offer at an extra fee.. Seeing you had this accident.. It maybe worth looking into. Was this answer helpful to you? Yes / No

danielletbd	Yes, a deductible is the amount you pay for a claim. If the claim (amount needed to fix the problem) is more than your deductible, the insurance company pays the rest. Since your deductible is $500, if the window costs $650 to be fixed, you pay the bulk at $500, and the insurance company will cover the rest ($150); this isn't just with Geico, it's with all insurance companies, but a $500 deductible is not bad at all. Was this answer helpful to you? Yes / No

YaThink	I would give Geico a call. A window being broken is considered vandalism and will probably NOT affect your future premiums. Additionally, for many auto insurance policies there is no deductible for glass coverage, so it really pays to call, or just check your policy to see if there is a deductible for glass. Good Luck! Was this answer helpful to you? Yes / No

walter chaos	go to the glass store and get a bid for replacement and pay the tab --------------- the ins. co. is not responsible for your window in this case -unless -- do you have glass coverage?????? and if so it says that in your policy -------- the window costs less than $500.00............... good luck Was this answer helpful to you? Yes / No

b_eazy01	you pay 500 they pay the rest. if there is a rest. ha ha. its not even worth reporting, your rates will go up Was this answer helpful to you? Yes / No

Dave W	$500 deductible means you pay the first $500 and the insurance pays the rest for a covered loss. When you buy a policy, you choose the amount of deductible from among several choices. The higher the deductible, the less the insurance costs, but then you have to pay more when you have a claim. He apparently chose a high deductible on comprehensive in order to reduce the cost of the policy. I'm not sure how much it costs to replace a window like that, but I'd think it's less than $500 in which case you will have to pay the whole thing and probably don't even want to tell the insurance company about it. (I don't know exactly how it works, but from what I've heard, they keep track of how many claims you have and will raise your rates or cancel your coverage if you have too many, even if they are small or even if they don't have to pay anything at all! That seems like a bad deal to me, but I've heard that it's true. If it is, then you don't even want to tell them about it unless you are going to get a substantial amount of money from the claim.) Was this answer helpful to you? Yes / No

Mopar Muscle Gal	It will not cost $500 to get fixed you will have to pay for any damages out of your own wallet deductible means: If its $500 and a accident quote is $1500 .. you pay the $500 and the insurance company picks up the $1000 Was this answer helpful to you? Yes / No

wow_rmkr	Once you get the entire bill, you pay the first 500, (the deductible) and they pay the remainder. for the side rear window it might not be worth it to file a claim, you might want to fix it your self so there will not be a claim against your insurance, so your rates do not change. Although this claim may not change your rates, the next one probably would. I would get an estimate for it first, but it might be pretty cheap, we just got a new windshield for quite a bit cheaper than 500. Was this answer helpful to you? Yes / No

Laura	Yes, I believe it means you have to pay the $500.00 deductible in order to get if fixed if they cover it...... Was this answer helpful to you? Yes / No

Garacaius	A $500.00 deductable means that you pay the first $500.00 on each accident. Was this answer helpful to you? Yes / No

portnoyscomplaining	The deductible is what YOU pay. You pay the first $500, or whatever the deductible is, and they pay the rest no matter what it causes to fix the problem, etc. Was this answer helpful to you? Yes / No

kyralan	The deductable is the amount you will have to pay before the insurance company puts out a single cent. Insurance will cover expense BEYOND the $500 deductable, so if your repairs are less than $500, you'll be paying the full amount. Keep in mind, too, that if your repairs aren't a lot of money, you're going to be better off paying it out of your pocket, anyway. If you make a claim against your insurance, you can guarantee that your insurance will be raising your rates. Better to pay $200 one time for the repair (for example,) than to pay hundreds (if not thousands) in higher insurance premiums for years to come. Was this answer helpful to you? Yes / No

unclebutch	i'm not even sure if your car insurance will cover that but if it did you would have to pay up to the first 500 dollars to fix it but it isn't going to cost that much so i wouldn't even bother with a claim. it would just raise your rates anyway Was this answer helpful to you? Yes / No