{"id":186225,"date":"2024-07-18T11:30:00","date_gmt":"2024-07-18T15:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=186225"},"modified":"2025-11-21T16:49:02","modified_gmt":"2025-11-21T21:49:02","slug":"understanding-car-insurance-deductibles-canada","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/","title":{"rendered":"How Does a Car Insurance Deductible Work in Canada?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><strong>Car insurance deductibles<\/strong>, which must be paid in the event of a claim, are often misunderstood. Most people know this word, but many don\u2019t know how it affects their insurance premiums and what happens in the event of a claim. In this article, we explain what a <strong>car insurance deductible<\/strong> is, and what you need to consider when choosing the right one.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Car Insurance Deductibles Explained&#8221; css=&#8221;&#8221; el_id=&#8221;car_insurance_deductibles_explained&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>A deductible is an amount the insured must pay when making an insurance claim. The amount you pay depends on your insurance policy and its conditions. But most car insurance deductibles range from $100 to $2,000.<\/p>\n<p>You can choose a different deductible amount for each type of coverage. For example, you could choose a deductible of $1,000 for collisions and upsets, and $500 for all other risks (fire, theft, vandalism).<\/p>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p>Canada\u2019s car insurance laws differ by province and territory. Therefore, it is essential to familiarize yourself with the rules that apply in your area.<\/p>\n<p>[\/vc_message][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Deductibles generally apply to:<\/p>\n<ul>\n<li><strong>Collision and upset coverage<\/strong>: This covers damage to your car caused by a stationary object or collision with another vehicle. Damage to the other party\u2019s property is not covered.<\/li>\n<li><strong>All-risk coverage<\/strong>: With the exception of a collision where the insured is at fault, this covers all causes of accident. Comprehensive insurance also covers damage caused by hail, for example.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"177791\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Examples of Car Insurance Deductibles&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;examples_of_car_insurance_deductibles&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For example, if you have an accidental loss of $5,000 and a $500 deductible, your insurance company will pay $4,500 to cover the loss and you will have to pay $500.<\/p>\n<p>In addition, claims for amounts below the deductible will be borne by the policyholder. For example, if your <strong>car insurance deductible<\/strong> is $1,000 and the damage is $700, then your insurance company won\u2019t cover the cost of the damage.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Paying Your Car Insurance Deductible&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;paying_your_car_insurance_deductible&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>If you file a claim for any of the following, you\u2019ll usually have to pay your <strong>car insurance deductible<\/strong>:<\/p>\n<ul>\n<li>You are responsible for an accident<\/li>\n<li>An accident for which you are partially responsible<\/li>\n<li>Theft or vandalism<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Situations in Which You Are Exempt From Paying Your Deductible&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;situations_in_which_you_are_exempt_from_paying_your_deductible&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">If you meet one of the following conditions, you are generally exempt from paying your deductible:<\/p>\n<ul>\n<li>An insured driver caused the accident: if an insured driver is responsible for the accident, the damage will be covered by their insurance company. As a result, you won\u2019t have to pay the deductible.<\/li>\n<li>A claim is made under your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/auto-insurance-liability-canada\/\">liability insurance<\/a>: liability claims are not covered by a deductible. Up to the limit of your insurance coverage, your insurer will cover the losses incurred by the other party.<\/li>\n<li>You have a policy with no deductible: if you choose a $0 deductible on your comprehensive policy, you won\u2019t have to pay a deductible in the event of an accident. You will, however, pay higher premiums.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"210615\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Why Does Your Car Insurance Deductible Affect Your Premiums?&#8221; css=&#8221;&#8221; el_id=&#8221;why_does_your_car_insurance_deductible_affect_your_premiums_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>f you choose a higher <strong>car insurance deductible<\/strong>, your insurance premiums will be lower. This is because higher deductibles reduce the amount the insurer has to pay out in the event of an accident.<\/p>\n<p>Do you know which deductible you&#8217;ve chosen? If not, check your insurance contract. Then see for yourself the impact of the deductible on your car insurance premiums by using an online comparator. By the way, you can <a href=\"https:\/\/milesopedia.com\/en\/compare-car-insurance\/\">compare car insurances<\/a> with our tool and find the best <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a> for your needs.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;How to Choose the Right Deductible for Your Car Insurance?&#8221; css=&#8221;&#8221; el_id=&#8221;how_to_choose_the_right_deductible_for_your_car_insurance_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>When you take out <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance<\/a>, you can choose the deductible that best suits your <strong>financial situation<\/strong>. Take into account what you usually have on hand to cover emergencies. If you&#8217;re worried about having enough money, opt for a lower deductible. In short, it&#8217;s a question of balance.<\/p>\n<p>You can also choose a <strong>car insurance deductible<\/strong> based on your financial ability to pay in case of an accident. For example, if you can afford high repair costs, a higher deductible is a good choice. Because you can save money on your insurance premiums. However, choose a lower deductible if you know that an accident will have a significant impact on your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance-management-canada\/\">finances<\/a>.<\/p>\n<p>If there&#8217;s a problem with your current insurer, don&#8217;t hesitate to contact an insurance broker like <a title=\"ClicAssure\" href=\"https:\/\/milesopedia.com\/en\/go\/clicassure\/\" rel=\"noindex\">ClicAssure.<\/a> They have access to several insurers specializing in car insurance and usually present you with the best offer based on your needs.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, a <strong>car insurance deductible<\/strong> is an amount you have to pay when you make an insurance claim. Deductibles generally range from $100 to $2,000. We hope you now have all the information you need to make an informed decision about the amount to choose for your <strong>car insurance deductible<\/strong>.<\/p>\n<p>To compare <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/car-insurance-canada-guide\/\">car insurance quotes<\/a>, try our <a href=\"https:\/\/milesopedia.com\/en\/compare-car-insurance\/\">car insurance comparison tool<\/a> to find the best policy for your needs.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;What is a car insurance deductible?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>A car insurance deductible is an amount you have to pay in the event of a claim before your insurer will cover the difference. You choose the amount of your deductible, which has a direct impact on your insurance premiums.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the maximum amount of a car insurance deductible?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The maximum amount of an <strong>car insurance deductible<\/strong> may vary from insurer to insurer, but most deductibles range from $100 to $2,000. You can choose a different deductible amount for each type of coverage. For example, $1,000 for collision and upset and $500 for other covered risks (fire, theft, vandalism).<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Who pays the deductible in the event of a claim?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>In the event of a claim, the insured must pay the <strong>car insurance deductible<\/strong>, unless you are not at fault.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Why pay a deductible when you&apos;re not at fault?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>Sometimes you have to pay your <strong>car insurance deductible<\/strong> even if you\u2019re at fault in an accident. But your insurer will reimburse you for the amount of your deductible once it has taken recourse against the insurer of the person responsible for the accident.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Do you know how a car insurance deductible works, and what you need to consider when choosing the right one? That&#8217;s what we explain in this article.<\/p>","protected":false},"author":2464,"featured_media":186227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46377],"tags":[],"mc_loyalty_program":[],"class_list":["post-186225","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Does a Car Insurance Deductible Work in Canada? | Milesopedia<\/title>\n<meta name=\"description\" content=\"Do you know how a car insurance deductible works, and what you need to consider when choosing the right one?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Does a Car Insurance Deductible Work in Canada?\" \/>\n<meta property=\"og:description\" content=\"Do you know how a car insurance deductible works, and what you need to consider when choosing the right one?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-18T15:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-21T21:49:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/car-crash-g561cd549d_1920.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1066\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marie-\u00c8ve Leclerc\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/\"},\"author\":{\"name\":\"Marie-\u00c8ve Leclerc\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/e8f594858a51bb6559822686a94867b9\"},\"headline\":\"How Does a Car Insurance Deductible Work in Canada?\",\"datePublished\":\"2024-07-18T15:30:00+00:00\",\"dateModified\":\"2025-11-21T21:49:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/\"},\"wordCount\":1294,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/car-crash-g561cd549d_1920.jpg\",\"articleSection\":[\"Insurance\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/\",\"name\":\"How Does a Car Insurance Deductible Work in Canada? | Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/car-crash-g561cd549d_1920.jpg\",\"datePublished\":\"2024-07-18T15:30:00+00:00\",\"dateModified\":\"2025-11-21T21:49:02+00:00\",\"description\":\"Do you know how a car insurance deductible works, and what you need to consider when choosing the right one?\",\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/insurance\\\/understanding-car-insurance-deductibles-canada\\\/#primaryimage\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/car-crash-g561cd549d_1920.jpg\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/car-crash-g561cd549d_1920.jpg\",\"width\":1600,\"height\":1066,\"caption\":\"car crash gcdd\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"name\":\"Milesopedia\",\"description\":\"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada\",\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\",\"name\":\"Milesopedia Canada\",\"alternateName\":\"Milesopedia\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"width\":1600,\"height\":261,\"caption\":\"Milesopedia Canada\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/milesopedia\",\"https:\\\/\\\/x.com\\\/milesopedia\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/milesopedia\",\"https:\\\/\\\/www.tiktok.com\\\/@milesopedia\",\"https:\\\/\\\/www.youtube.com\\\/milesopedia\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/e8f594858a51bb6559822686a94867b9\",\"name\":\"Marie-\u00c8ve Leclerc\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Marie-Eve-200x200.png\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Marie-Eve-200x200.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Marie-Eve-200x200.png\",\"caption\":\"Marie-\u00c8ve Leclerc\"},\"description\":\"Marie-\u00c8ve, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.\",\"jobTitle\":\"R\u00e9dactrice en Chef\",\"worksFor\":\"Milesopedia\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/author\\\/mel\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How Does a Car Insurance Deductible Work in Canada? | Milesopedia","description":"Do you know how a car insurance deductible works, and what you need to consider when choosing the right one?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/","og_locale":"en_US","og_type":"article","og_title":"How Does a Car Insurance Deductible Work in Canada?","og_description":"Do you know how a car insurance deductible works, and what you need to consider when choosing the right one?","og_url":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/","og_site_name":"Milesopedia","article_publisher":"https:\/\/www.facebook.com\/milesopedia","article_published_time":"2024-07-18T15:30:00+00:00","article_modified_time":"2025-11-21T21:49:02+00:00","og_image":[{"width":1600,"height":1066,"url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/car-crash-g561cd549d_1920.jpg","type":"image\/jpeg"}],"author":"Marie-\u00c8ve Leclerc","twitter_card":"summary_large_image","twitter_creator":"@milesopedia","twitter_site":"@milesopedia","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/#article","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/"},"author":{"name":"Marie-\u00c8ve Leclerc","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/e8f594858a51bb6559822686a94867b9"},"headline":"How Does a Car Insurance Deductible Work in Canada?","datePublished":"2024-07-18T15:30:00+00:00","dateModified":"2025-11-21T21:49:02+00:00","mainEntityOfPage":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/"},"wordCount":1294,"commentCount":0,"publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"image":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/car-crash-g561cd549d_1920.jpg","articleSection":["Insurance"],"inLanguage":"en-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/","url":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/","name":"How Does a Car Insurance Deductible Work in Canada? | Milesopedia","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/#primaryimage"},"image":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/car-crash-g561cd549d_1920.jpg","datePublished":"2024-07-18T15:30:00+00:00","dateModified":"2025-11-21T21:49:02+00:00","description":"Do you know how a car insurance deductible works, and what you need to consider when choosing the right one?","inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/understanding-car-insurance-deductibles-canada\/#primaryimage","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/car-crash-g561cd549d_1920.jpg","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/12\/car-crash-g561cd549d_1920.jpg","width":1600,"height":1066,"caption":"car crash gcdd"},{"@type":"WebSite","@id":"https:\/\/milesopedia.com\/en\/#website","url":"https:\/\/milesopedia.com\/en\/","name":"Milesopedia","description":"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada","publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/milesopedia.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/milesopedia.com\/en\/#organization","name":"Milesopedia Canada","alternateName":"Milesopedia","url":"https:\/\/milesopedia.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","width":1600,"height":261,"caption":"Milesopedia Canada"},"image":{"@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/milesopedia","https:\/\/x.com\/milesopedia","https:\/\/www.linkedin.com\/company\/milesopedia","https:\/\/www.tiktok.com\/@milesopedia","https:\/\/www.youtube.com\/milesopedia"]},{"@type":"Person","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/e8f594858a51bb6559822686a94867b9","name":"Marie-\u00c8ve Leclerc","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Marie-Eve-200x200.png","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Marie-Eve-200x200.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Marie-Eve-200x200.png","caption":"Marie-\u00c8ve Leclerc"},"description":"Marie-\u00c8ve, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.","jobTitle":"R\u00e9dactrice en Chef","worksFor":"Milesopedia","url":"https:\/\/milesopedia.com\/en\/author\/mel\/"}]}},"_links":{"self":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/186225","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/users\/2464"}],"replies":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/comments?post=186225"}],"version-history":[{"count":5,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/186225\/revisions"}],"predecessor-version":[{"id":473920,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/186225\/revisions\/473920"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media\/186227"}],"wp:attachment":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media?parent=186225"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/categories?post=186225"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/tags?post=186225"},{"taxonomy":"mc_loyalty_program","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/mc_loyalty_program?post=186225"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}