Q

We write a garagekeepers policy with a $500 per vehicle deductible subject to a $2,500 maximum deductible per occurrence. A number of cars were damaged in a single incident of vandalism. The damage to each was below the $500 per vehicle deductible. Is the $2,500 maximum still reached after the damage on five vehicles has been paid?

South Carolina Subscriber

A

Yes, the $500 is applied to each of five vehicles even though the damages on each may be less than $500. Therefore, no deductible is applied to the sixth car that was damaged.