Do I have to pay a deductible when I'm not at fault in an accident in New York?

Will I still have to pay a deductible if I'm not at fault? The insurance company already determined the fault is with the other driver and I filed a claim with their insurance company.

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Sophie Newman
Answered on Jul 03, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
“In most cases, you should not have to pay a deductible in an accident where the fault is with the other driver. The other driver’s liability insurance should pay for your repairs.
There are exceptions:
  • if the damage exceeds the other driver’s policy limits
  • if the other driver doesn’t have insurance
In these cases, you can use your collision car insurance or uninsured motorist coverage.”
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