Do I have to pay my deductible if I want to submit a claim?

My car was hit while parked on my street. Can my insurance cover the repair without me having to pay my deductible? Will submitting a claim increase my premium?

Answer
“When someone else is at fault for an accident or damages, their insurance would pay for your repairs. But since you most likely don’t know who hit your car, your insurance would cover the damage. By submitting the claim to your insurance company, you would be required to pay your deductible.
When you chose a deductible for your comprehensive coverage and collision coverage, you agreed to the amount that you would pay out of pocket prior to your insurance kicking in. There’s no getting around this.
You can contact your local police department and file a report. They may be able to find the party that is responsible for the damage. Their insurance would then pay for damages and you would either get your deductible back or not be required to pay it at all.
If you’re worried about your premium increasing, you can reach out to your insurance company directly to get more information, as every carrier is different. “
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Emily Maracle
Answered on Apr 20, 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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