diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index 3c8d23502..60eabcb02 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -626,13 +626,16 @@ export default {
         },
         showInsuranceCoverageAs() {
             if (!this.isInsurance) return null;
+
             if (this.isNoComp || this.isItac) {
                 return coverageStatus.NOCOMP;
-            } else {
-                return this.hasSubmittedOrder()
-                    ? this.getSubmittedOrder()?.payment.insuranceCoverage.coverageStatus
-                    : this.$store.getters.payment.insuranceCoverage.coverageStatus;
             }
+
+            if (this.$store.getters.coverageIsVerified) {
+                return coverageStatus.VERIFIED;
+            }
+
+            return coverageStatus.PENDING;
         },
         currentDeductible() {
             return this.hasSubmittedOrder()
diff --git a/src/mixins/base-mixin.js b/src/mixins/base-mixin.js
index 15095746b..b740cc5ac 100644
--- a/src/mixins/base-mixin.js
+++ b/src/mixins/base-mixin.js
@@ -167,13 +167,18 @@ export default {
             }
 
             const order = this.hasSubmittedOrder() ? this.getSubmittedOrder() : store.getters.order;
-
             if (
-                order.payment.insuranceCoverage.isVerified &&
+                store.getters.coverageIsVerified &&
                 !order.policy.isNoComp &&
                 !order.policy.isItac
             ) {
                 amountDue = order.policy.currentDeductible;
+                if (lineItems.vaps) {
+                    amountDue += this.getTotalPriceOfAllLineItemsAndChildParts(
+                        lineItems.vaps,
+                        includeTax
+                    );
+                }
             }
 
             return ((amountDue * 100) / 100).toFixed(2);
diff --git a/src/store/index.js b/src/store/index.js
index 00bdd486f..4ec245ff3 100644
--- a/src/store/index.js
+++ b/src/store/index.js
@@ -774,6 +774,24 @@ export const getters = {
         );
         return !!nonWindshieldItems?.length;
     },
+    coverageIsVerified: (state) => {
+        let order;
+        if (window.sessionStorage.getItem("submittedOrder") !== null) {
+            order = JSON.parse(window.sessionStorage.getItem("submittedOrder"));
+        } else {
+            order = state.order;
+        }
+
+        if (
+            order.payment?.insuranceCoverage?.isVerified &&
+            order.policy?.currentDeductible != 9999 &&
+            order.policy?.currentDeductible != 7777
+        ) {
+            return true;
+        }
+
+        return false;
+    },
     isMobileAppointment: (state) => {
         return state.order.serviceLocation.appointmentType === AppointmentTypeStrings.MOBILE;
     },
@@ -899,13 +917,13 @@ export const getters = {
     isVerifiedAndDeductibleZeroConfirmed: (state) => {
         // used as a CMS variable on /payment-method, needed for FunnelSubHeaderWidget on cart pages
         if (
-            (state.order.policy.currentDeductible === 0 ||
-                state.order.policy.currentDeductible > 0) &&
-            state.order.payment.insuranceCoverage.coverageStatus === coverageStatus.VERIFIED &&
+            state.order.policy.currentDeductible === 0 &&
+            getters.coverageIsVerified(state) &&
             !state.order.policy.isNoComp
         ) {
             return true;
         }
+
         return false;
     },
     requiresVerifiedRedirecting: (state) => {