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What Is a Disappearing Deductible?

At MAPFRE Insurance, we are happy to be by your side, protecting you and your family for years to come. We take pride in protecting more Massachusetts drivers and homeowners than any other carrier in the country.

MAPFRE believes in rewarding your safe driving and loyalty. That’s why we offer different options for Disappearing Deductible credits to our customers.

What is a Disappearing Deductible?

A Disappearing Deductible is essentially a monetary credit that will apply toward the collision or comprehensive deductible in case of a qualifying loss where an insurance claim is made.

Sometimes called a “vanishing deductible,” a Disappearing Deductible rewards safe driving by decreasing the insurance policy owner’s deductible over time. This usually means you will pay less out-of-pocket expenses if you, or someone insured on your car insurance policy, is in an accident or a non-collision event outside of the driver’s control, such as vandalism or fire, and needs to make an insurance claim. Each insurance company’s definition of a clean driving record and the resulting discount will vary.

How do earned Disappearing Deductible credits work?

For qualifying MAPFRE policyholders in Massachusetts, who became policyholders prior to April 19, 2024, Disappearing Deductible credits are awarded after one full year of “clean” driving, meaning no losses or claims occurred and therefore no credits were used or lost. Drivers will receive $50 credits for each consecutive “clean” year of driving after the first “clean” year under your policy effective date. In the fifth consecutive “clean” year, drivers will earn a $100 credit. The maximum Disappearing Deductible credits these policyholders may earn with MAPFRE $300.

For example, if your deductible is $500 and you have been with MAPFRE for 3 years without an accident, the Disappearing Deductible credit would be $150. If you’re in a qualifying at-fault accident that causes $2,000 of damage, you’d only need to pay a $350 deductible because of your Disappearing Deductible credits. If credits are used or lost, a new “clean” policy year must be completed before a driver is awarded credits again.

Can I purchase Disappearing Deductible credits on my car policy?

New, qualifying Massachusetts policyholders, who purchased a policy after April 19, 2024, can opt to purchase Disappearing Deductible credits by adding the Elite Package Endorsement on their car insurance policy. With the Elite Package Endorsement Program’s Collision and Limited Collision Deductible Savings, if you are a good driver with a clean driving record and are involved in an accident while covered, the deductible will be waived up to a maximum of $500 for eligible drivers available on day one. The Elite Package Endorsement also includes Original Equipment Manufacturer (or OEM) Parts Coverage and Emergency Travel Protection for a small increase to your premium. The Elite Package Endorsement is also available to qualifying MAPFRE policyholders who became policyholders prior to April 19, 2024, who may want to take advantage of Disappearing Deductible protection earlier in their policy tenure and the many other features this endorsement offers for coverage.

For a complete list of Disappearing Deductible details specific to your policy, you can refer to your insurance policy declarations page or the Elite Package Endorsement document by logging in to view your policy in your MAPFRE Account or contacting your independent insurance agent to discuss its availability. If you are not yet a MAPFRE customer, you can get a fast, free quote today to see how much you could be saving on your Massachusetts auto insurance. If you’re a driver located in another state, MAPFRE only offers Disappearing Deductible options in Massachusetts at this time, but you can talk with an independent agent near you to see what discounts and other policy options you could qualify for.

Please Note:This content is not intended to describe any specific coverage offered by MAPFRE Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and MAPFRE Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.

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