Everything you need to know about how Deductify works, what's covered and how you get paid.
Deductify is a membership, not insurance, that pays your collision deductible up to your plan limit. It works alongside the auto policy you already have, so you can raise your deductible, lower your premium, and avoid the out-of-pocket hit if you're in an accident.
Any driver with a valid driver's license and an auto insurance policy with collision coverage can join. Deductify is not currently available in Texas.
No. What matters is a valid driver's license and active insurance with collision coverage on the vehicle you register.
No. You keep your current insurer, your agent and your discounts. Deductify works alongside your existing policy.
Insurance companies charge more when your deductible is low. Raise your collision deductible up to your Deductify plan limit and your premium can go down. If you have a collision, Deductify pays that deductible, up to your plan limit, so you keep the savings without the risk. Savings vary by insurer and state.
Deductify pays your collision deductible, up to your plan limit, when your auto insurance approves a collision claim. It does not currently cover comprehensive claims such as hail, weather, flood, theft, vandalism or glass. We plan to add more coverage types, like animal collisions, in the future.
No. Comprehensive covers non-collision events like weather, theft, vandalism and falling objects. Collision covers accidents with another vehicle or an object. Deductify pays collision deductibles only.
Deductify pays the collision deductible on your approved insurance claim, up to your plan limit: Basic up to $500, Lite up to $1,000, Pro up to $1,500, Max up to $2,000. For example, if your deductible is $500 and you're on Max, the benefit is $500, not $2,000.
An optional add-on. After a collision, insurance companies often approve cheaper aftermarket parts. OE Parts Protection pays the difference so your vehicle can be repaired with genuine factory parts. Essential OE is +$6.99/month and pays up to $1,000. Premium OE is +$9.99/month and pays up to $2,000. It's priced per membership: one charge covers 1–2 vehicles, two charges cover 3–5.
No. An approved deductible benefit never has to be paid back.
Yes. Each vehicle has a 30-day waiting period that starts when the vehicle is approved. After that, you can request a deductible benefit for that vehicle. Deductify must be active before an accident happens.
Our verification team reviews these situations case by case under the Membership Agreement.
No. You can join and register your vehicle, but collision claims that happened before your membership, or claims that are already open, do not qualify.
Each registered vehicle can receive one deductible benefit every rolling 12 months. If you have more than one vehicle, each vehicle has its own benefit after its own 30-day waiting period.
Log in to your member portal and choose File Deductible Request. Enter your insurance company, claim number, deductible amount and date of loss, add any supporting documents, and choose how you want to be paid.
Our team reviews requests within 24–48 hours. Once approved, we pay you promptly by Zelle, Venmo, PayPal or check, whichever you choose.
Yes. To receive the deductible benefit, each vehicle must be registered in your member portal and approved by our team. Registration takes a few minutes: enter the VIN and take 8 quick photos with your phone, following the in-app guide.
Up to 5. Each vehicle is priced separately at your plan's per-vehicle rate.
Yes. You can upgrade your membership to add vehicles anytime from your member portal. Each added vehicle is charged at your plan's per-vehicle rate.
Go to My Vehicles in your member portal and replace or remove the vehicle. There's no charge to replace or remove a vehicle.
Yes. The 30-day waiting period applies to any vehicle you add or replace, starting when it's approved.
Plans start at $4.99 per vehicle per month: Basic $4.99, Lite $9.99, Pro $14.99, Max $19.99. Annual billing is available and gives you one month free.
Yes. You can cancel from your member portal at any time. Your membership stays active until the end of your current billing period and won't renew after that. No cancellation fees.
Email us and a real person will get back to you.
Deductify is a membership program, not insurance. All benefits are subject to the Membership Agreement.
