Depends on your contract.

Some contracts mandate a percentage participation rate or default to a percentage rate once the car is past a certain age.

Others mandate a "fixed" rate. On one vehicle we have, this is 3.8 thousand (doubles on second claim within the year), on the other, it's fixed at 11 thousand.

This is to keep you from claiming all kinds of minor niggling dents and dings under insurance, which would drive their costs up, but let me tell you, if you've got a total wreck on your hand, you'll be glad for fixed rate insurance... ;)