DTRIC’s reward to you for safe, claim-free driving!
Deductible WipeOut™**
- You could reduce your collision deductible to $0, just by driving Aloha!
- Get up to $200 off your deductible after your first claim-free year!
- Deductible WipeOut™ is free to qualifying DTRIC auto insurance customers – there are no hidden fees and no additional charges to your premium!
- Deductible WipeOut™ has the potential to bring your deductible all the way down to $0, a total Deductible Wipeout.
**Deductible WipeOut is a trademark of DTRIC Insurance. It is only available on policies with Collision Deductible of $250 or higher. Earn up to $250 Deductible WipeOut with $250 Collision Deductible, up to $500 with $500 collision deductible, and up to $1,000 with higher collision deductibles. Deductible WipeOut will be applied to your first loss or claim only. Subsequent losses or claims will be at the regular deductible rates. Other restrictions may apply. The original Collision Deductible and new reduced Collision Deductible (after Deductible WipeOut) shown above are effective as of your renewal date for one vehicle on your policy. Other vehicles on your policy may have different original Collision Deductibles and/or new reduced Collision Deductibles. Your actual Deductible WipeOut(s) and new Collision Deductible(s) may differ.
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $100 | $150 |
| 2 Years | $150 | $100 |
| 3 Years | $200 | $50 |
| 4 Years | $250 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $300 |
| 2 Years | $300 | $200 |
| 3 Years | $400 | $100 |
| 4 Years | $500 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $800 |
| 2 Years | $300 | $700 |
| 3 Years | $400 | $600 |
| 4 Years | $500 | $500 |
| 5 Years | $600 | $400 |
| 6 Years | $700 | $300 |
| 7 Years | $800 | $200 |
| 8 Years | $900 | $100 |
| 9 Years | $1,000 Maximum | $0 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $1,300 |
| 2 Years | $300 | $1,200 |
| 3 Years | $400 | $1,100 |
| 4 Years | $500 | $1,000 |
| 5 Years | $600 | $900 |
| 6 Years | $700 | $800 |
| 7 Years | $800 | $700 |
| 8 Years | $900 | $600 |
| 9 Years | $1,000 Maximum | $500 |
| Years Without a Claim | Collision Deductible Discount | Your Deductible after Discount |
|---|---|---|
| 1 Year | $200 | $1,800 |
| 2 Years | $300 | $1,700 |
| 3 Years | $400 | $1,600 |
| 4 Years | $500 | $1,500 |
| 5 Years | $600 | $1,400 |
| 6 Years | $700 | $1,300 |
| 7 Years | $800 | $1,200 |
| 8 Years | $900 | $1,100 |
| 9 Years | $1,000 Maximum | $1,000 |
Deductible WipeOut™ FAQs
What is Deductible WipeOutTM?
Deductible WipeOutTM is DTRIC’s way of rewarding our auto customers for driving aloha and remaining clam-free. It is a feature of your auto policy that applies to your collision deductible. You earn credits toward reducing the amount of your collision deductible — up to a maximum amount — for every year your policy is claim-free. You could wipe out your deductible to $0!How much does the Deductible WipeOutTM feature cost to add to my auto policy?
There is no added cost or fee to take advantage of Deductible WipeOutTM.By how much can I lower my collision deductible with Deductible WipeOutTM?
Your collision amount will be reduced by up to $200 for the first year you are claim-free. For every claim-free year that follows, your deductible will be lowered by up to an additional $100 until you reach your maximum allowable deduction.What is the maximum amount that Deductible WipeOutTM can lower my collision deductible?
The amount depends on the collision deductible you have selected. To see a chart of qualifying deductibles and the maximum deductible amount, click here.What happens if I change my collision deductible?
To see if your new deductible qualifies for Deductible WipeOutTM — and to see the maximum amount you can wipe out if it does, click here.Who qualifies for Deductible WipeOutTM?
All DTRIC auto policyholders with collision coverage and at least a $250 collision deductible qualify for Deductible WipeOutTM.When will my Deductible WipeOutTM begin?
Your deductible will be lowered after you are claim-free for one year from your policy effective date.How will I know if the Deductible WipeOutTM has been applied to my collision deductible?
Your policy will show your original collision deductible, the Deductible WipeOutTM amount, and your new, lower collision deductible.What happens to my Deductible WipeOutTM if I have a claim paid by DTRIC?
After DTRIC pays a claim for which you are liable, your deductible is reset to the original amount. However, you will still be enrolled in the program and can start building claim-free years with your next renewal.What happens to my Deductible WipeOutTM upon cancellation of my policy?
Upon policy cancellation, Deductible WipeOutTM will no longer be applicable.What happens to my Deductible WipeOutTM if I replace my vehicle or add another vehicle to my coverage?
Your Deductible WipeOutTM will apply to the replaced or added vehicle, provided that vehicle has a qualifying collision deductible.What happens to my Deductible WipeOutTM when I add collision coverage?
Your Deductible WipeOutTM will apply, as long as the coverage has a qualifying deductible. Click here to see the chart for qualifying collision deductibles.Will my Deductible WipeOutTM decrease because of a towing and/or rental reimbursement claim?
No.If I submit a collision claim for which I am not at fault and decide to handle the claim through DTRIC, how will my Deductible WipeOutTM be affected if DTRIC is able to collect from the insurer of the person who is at fault?
Whenever you submit a collision claim, your deductible is reset to the original amount. You start building claim-free credits with your next renewal.Will previous claims with another insurance carrier be taken into account if I become a DTRIC auto policyholder?
No. Deductible WipeOutTM will not take into account any losses that were incurred with another carrier.
*Deductible WipeOutTM program is only available on policies with $250 collision deductible or higher. Earn up to a maximum of $250 Deductible WipeOut with $250 collision deductible, up to $500 with $500 collision deductible, and up to $1,000 with higher collision deductibles. Some restrictions apply. Deductible WipeOut is a trademark of DTRIC Insurance.
Get an Auto FastQuote
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Our knowledgeable DTRIC representatives can assist you with a free, no-obligation auto insurance quote – just call 808-923-8742 or 1-877-923-8742 (neighbor islands toll-free) to get started.
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