Deductify expands nationwide, covers OE parts

After launching nationwide to help drivers eliminate deductible pain and lower auto insurance premiums, Deductify, a membership-based platform, is expanding to offer OE Parts Protection and a new affiliate program designed for insurance agents, brokers, body shops, and dealerships.

A Deductify press release states that the expansion reflects growing demand from both consumers and professionals seeking relief from rising premiums, high deductibles, and declining margins.

“This isn’t about replacing insurance,” a Deductify spokesperson said in the release. “It’s about complementing it — helping drivers save money, helping vehicles get repaired the right way, and helping professionals maintain trust and recurring income in a changing world.”

Deductify says the expansion strengthens its mission of “restoring fairness for drivers while protecting new income opportunities for professionals across the auto and insurance industries.”

The spokesperson added that Deductify was “built to fix what’s broken in auto insurance.”

“But we quickly realized drivers aren’t the only ones under pressure,” they said. “Agents, brokers, body shops, and dealerships are all being impacted by rising costs and changing consumer behavior — and Deductify creates a way for everyone to win.”

The optional OE Parts Protection add-on is designed to help ensure vehicles are repaired using original equipment parts, rather than “lower-quality aftermarket alternatives often permitted under standard insurance policies,” the release states.

“Many drivers don’t realize their policy allows the most cost-effective parts available after an accident,” the spokesperson said. “That can affect safety, fit, and long-term vehicle value. OE Parts Protection gives drivers and repair facilities a better option.”

Deductify says its affiliate program is designed to help insurance agents and brokers adapt to a rapidly changing marketplace.

“As more consumers turn to search engines, comparison tools, and AI-driven platforms to find the lowest-cost auto insurance, many agents risk losing direct control of the policy — and the recurring income that comes with it,” the release states.

The spokesperson added that search engines and AI tools are leading long-time agents’ clients to shop policies online, so Deductify’s program provides a way to stay connected to those customers.

A recent report from MarketWatch shares the realities some drivers are facing in the current U.S. economy as they shoulder more obligations and risk when buying auto insurance and attempting to manage monthly costs.

“Amid record-high rates of drivers shopping around for new policies, more policyholders are paying higher deductibles,” the report states. “When accidents happen, more drivers are personally paying for repairs instead of filing claims that could push up their premiums. A growing share of drivers have too little coverage — or none at all. There’s even evidence that in extreme cases, more people are defrauding insurance companies to try to get cheaper coverage.

“Though auto-insurance prices are projected to level off in 2026, lower insurance-company profits may push more costs onto consumers.”

Last month, Andrew Batenhorst, Pacific Collision Center repair manager, took to the mic at CIC and said he’s seen a 40% to 50% increase in out-of-pocket expenses for parts, labor, and materials not approved by an adjuster since October. He said nothing has significantly changed at his shop during that time period, including the mix of work, repair planning, damage assessment style, or a large increase in operational costs.

The rise in out-of-pocket expenses in claims handling was also discussed during a panel at the Automotive Insights Symposium held by the Federal Reserve Bank of Chicago last week.

“Consumers often get frustrated with the repair shops because the repair shops are struggling themselves to get paid,” said  Doug Heller, Consumer Federation of America director of insurance.

He said this could lead to repair shops having two options: either eating what insurance companies don’t reimburse or cutting corners to meet insurance demands.

“But consumers get really concerned that the insurance company is making it to where they can’t get their vehicle back to the condition it was in,” Heller said. “People want the safety, and they don’t feel like the insurance market is serving that role that it is supposed to do.”

Society of Collision Repair Specialists (SCRS) Executive Director Aaron Schulenburg responded that a third option is for the consumer to pay-out-of-pocket for what the insurance company doesn’t cover.

“The problem becomes, that unlike in health care, where you are selling policies where you have both a deductible and out-of-pocket expectations, auto policies aren’t sold that way,” Schulenburg said.

He said in today’s claims environment, the collision industry often sees insurance companies refuse to pay for procedures that are outlined in auto manufacturer documents.

“[The repair shop] presents it, and the [insurance company] goes, ‘Well, we don’t believe that’s necessary, so we are not going to cover it because maybe we haven’t seen enough people bill for that yet, so you can handle that with the customer if you choose,’” Schulenburg said.

Deductify launched nationwide Sept. 2. It offers varying monthly membership plans per car to cover $1,000 and $2,000 deductibles.

“If your current collision deductible is less than $2,000, you can raise it — unlocking up to 40% savings on your existing policy,” the Deductify website states. “There’s no need to switch insurance companies or deal with complicated processes. We’ve made it simple to help you save more on your auto insurance — without the hassle.”

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