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You can technically change your car insurance policy’s deductible before submitting a claim. However, the modified deductible will not apply to any previous losses or damages. The deductible in effect at the time of the incident will still apply when filing a claim, regardless of any changes made afterward. 

For instance, if the deductible was $1500 at the time of the accident, you will still have to pay that amount when filing a claim, even if you have lowered the deductible or changed insurance providers. 

Make sure to provide accurate information and avoid misrepresenting the date or time of the incident, as this can lead to insurance fraud, which is illegal and can result in legal consequences.

To change your deductible, get in touch with your insurance provider. They will guide you through the process and provide information on the available options.

Final thoughts

There may be certain restrictions on when and how often you can change your deductible. Some insurance companies allow changes at any time, while others may only allow modifications during specific periods or at policy renewal. Your insurance provider will provide guidance on any such restrictions.

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