How are deductibles determined based on vehicle value?

Physical damage deductibles are based on the value of the vehicle. For vehicles with a lower value, the minimum deductible is $1,000, and it increases as the vehicle value rises.

Loss Payee Accommodation: If there's a written contract requiring a lower deductible with a loss payee, Cover Whale can consider accommodating it. 

Cargo: Various cargo deductibles are available, depending on the limit and the cargo commodities being transported. For refrigeration breakdown, a minimum deductible of $2,500 is required.