Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Apr 22, 2014

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Insurance Question from Norman, OK

Asked on 04/22/2014

My car was burglarized and i have a deductible question My car was burglarized and in the process he caused several hundred dollars in damage, am I responsible for the deductible if the damage exceeds the deductible amount? I have haven't ever made a claim and neither have my parents in the almost 10 years we have had progressive.

Answer given on April 29, 2014

Auto insurance covers damage to the car due to vandalism or burglary if you are carrying comprehensive insurance. The deductible will apply to the damage to the car and the insurance company will reimburse you for the additional damage. You can choose where to get the car repaired, but the insurance company will offer suggestions, if you ask.If there was property taken from the car that is not part of the car, then you must file a separate claim for that damage or theft through your homeowner or renters insurance. That policy too has a deductible, and you will have to pay that before the insurance will respond. Make sure that the amount you will collect is worth filing a claim under the homeowner insurance, since a claim can cause your homeowner rates to go up. The claim on the auto will not affect your rates.


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