Do I need to pay my deductible if I'm not at fault?

"I was not at fault in an accident. Do I still need to pay my deductible? Will the at-fault driver's insurance pay it for me?"

Answer provided by
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Emily Maracle
Answered on Jul 27, 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.
“If you’re filing a claim through your own insurance or your collision insurance, you will be required to pay your deductible before your insurance kicks in.
If the at-fault driver’s insurance is covering your damages, you likely won’t need to pay your deductible.
If your insurance offers to cover your repairs before the other party pays out, they will try to recover the costs of the damage. This means that if you paid a deductible, you could be reimbursed once the other insurance pays out.
However, every situation is different. You’ll need to reach out to your insurance carrier to confirm what your policy terms are and whether you’re required to pay your deductible.”
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