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Q

When I hit a deer, I did not have to pay a deductible, however, my friend hit a deer and she had to pay the $250 deductible. We live in Michigan. She has full coverage as I do. Why would she have to pay the deductible?


A

It would appear that your policy may not have a deductible (full or $0) or you have a "disappearing deductible" for your comprehensive coverage. Your friend's insurance policy had a $250 deductible or her policy doesn't have a disappearing deductible.

We are not aware of any Michigan state law requiring insurance companies to automatically waive a deductible when you hit a deer so while your friend could ask her insurance carrier if she can get it waived it will be up to the insurance company and its guidelines whether they will do so.

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