People can't get deductibles waived. However, there are certain circumstances when someone doesn't owe a deductible, such as when their vehicle is struck by another driver who is at fault for the accident. But if someone's car is stolen or damaged in an incident when a deductible applies, they will have to pay it.  There are insurers that offer coverage options called disappearing or vanishing deductibles. If someone signss up for this protection, their deductible amount is reduced over time as they remain free from accidents. It usually can't go as low as $0. So there may still be a small out-of-pocket payment in case of a problem.  Drivers may also have the option to choose a plan with no deductible or a very low deductible. If they do, they won't owe much out of pocket after a covered incident. However, they will pay higher premiums since they'll be buying more protection.