Do you have to pay your deductible before your insurance pays out for any claims?

My car was hit by an uninsured driver. I have to submit a claim for damage done to my vehicle. I have uninsured motorist coverage, but do I still need to pay my collision deductible?

Answer
“Insurance companies only require that you pay deductibles on coverage that has a deductible attached to it.
Since you have uninsured motorist coverage, you shouldn’t have to pay a deductible unless there is one attached to your uninsured motorist property damage.
However, fault is also a factor in paying your deductible. While it’s illegal to be uninsured in most states, an uninsured driver isn’t automatically at fault in an accident. The police report may also determine percentages of fault, which may not be 100% one way or the other in most cases.
If you’re at fault, you would likely still have to pay your collision deductible to get your vehicle repaired. Your insurance would then cover the uninsured driver’s damage.
If you’re worried about paying too much for car insurance after your claim, the Jerry app can help. Sign up in less than a minute for access to quotes from over 50 top insurers in the industry.”
avatar
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.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free