Do I always have to pay my deductible when I submit a claim?

I need to submit a claim for damage. Is there any way to avoid paying my deductible? The damage is $1,100 and my deductible is $1,000.

Answer
“When you submit a claim to your car insurance, you are responsible for your portion or deductible.
The only time you wouldn’t be responsible for it is if you were not at fault for the damage. If you get into an accident and another driver is liable for the damage, your insurance typically won’t require you to pay your deductible or your insurance will reimburse you. However, if you caused the accident or damaged your vehicle, you’d have to pay your deductible.
If you can’t afford your current deductible, the best thing to do is lower it. Most insurance companies offer a variety of options for both comprehensive and collision deductibles. While your premium may be more expensive, you wouldn’t have to pay as much when submitting a claim.
You can look at the cost of your premium with your current insurance company and also shop around. By using the Jerry app, you can compare rates based on your coverage needs and deductible, and you may be able to find a lower rate.”
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Emily Maracle
Answered on Sep 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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