Services
PriceProtect™
DriveShield™
GarageGuard™
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Home Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Recent Studies
Comprehensive Data Reports
Reviews
About
FAQ
MenuIcon
BACK

Do you pay a deductible if you're not at fault?

I was in an accident two weeks ago. The police report and the claim adjuster agreed I was not at fault. I need to get my car repaired while I have full coverage. Will I need to pay the deductible?

avatar
Sarah Gray · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your accident! Dealing with accidents is incredibly stressful, especially when you’re not at fault. However, you shouldn’t have to pay your
collision coverage
 deductible.
After you submit a repair estimate, the other driver’s
car insurance
 will approve it and pay the repair shop directly or mail you a check for the cost of repairs. Since you’re not submitting a claim to your insurance, you aren’t responsible for your deductible.
But if you need your car repaired ASAP and the other driver’s insurance is taking too long, you may need to submit a claim with your insurance. To speed up the process, some insurance companies have you pay your deductible and cover the cost of repairs. 
Your insurance would then seek reimbursement from the at-fault driver’s insurance. Typically, this includes reimbursement of your deductible as well.
More:
How to choose the best car insurance deductible
Deductibles
View full answer 
Jerry user testimonial avatar
rating primary
“My experience with Jerry has been absolutely incredible. It took my car insurance from about $400/month to about $80. The entire experience is seamless.” - Gregory R.
Lower my car insurance too
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Find insurance savings

You Might Also Be Interested

card cover

What Is a Not-At-Fault Accident

Not-at-fault victims can claim damages for vehicle repairs, medical bills, and lost wages—but how you claim and who pays out depends on your state.
avatar
Bonnie Stinson
card cover

Do I Have to Repair My Car After an Insurance Claim Accident?

If you accept a claim payout after an accident, you’ll usually be required to spend the money on repairs.
avatar
Jaclyn Victor
card cover

Can an Uninsured Driver Make a Claim?

If you aren’t at fault in an accident, and the at-fault driver has insurance, you can make a claim with that driver’s insurance company even if you’re uninsured.
avatar
Sarah Gray

Read Advice From Car Experts At Jerry

card cover

Should You Take the 2022 Ram TRX Off-Road?

The 2022 Ram TRX is more than capable of tackling off-road conditions in nearly every category of its design. Here are the details.
avatar
Ethan Moser
card cover

​​Volvo XC70 V6

The Volvo XC70 doesn’t come with a V6 engine option, but you can speed off with a popular alternative like the Audi A6 Allroad or the Mercedes-Benz E-Class.
avatar
Kaitlin May
card cover

2013 Acura MDX Engine Oil Capacity

Not sure how to find 2013 Acura MDX engine oil capacity? We’ve got all the specs your owner’s manual has—plus some extra tips.
avatar
R.E. Fulton

What Others Are Asking

What is the towing capacity of a 2008 Ford Expedition?
I just bought a small fishing boat, and I’m hoping it won’t be too heavy for my 2008 Ford Expedition to tow. How much is the towing capacity for the Ford Expedition of that year?
avatar
Mary Cahill
Are cars or bicycles a more dangerous way to travel?
I’m an avid cycling enthusiast. Recently, I was debating with my friend about whether cycling or driving a car is more dangerous. Which one is the more dangerous way to travel?
avatar
Eric Schad
How do I make my car's AC cold again?
I live in Arizona and even during winter, the heat is still insane. The last few times I’ve been in my car, the AC doesn’t blow cold air. It makes driving unbearable. How can I make my AC blow cold air again?
avatar
Eric Schad
Browse All Questions

Browse More Content

Car Repair Resources

Insurance for Your Car

Insurance in Your State

    Insurance In Your City

    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
    Car Insurance by Make
    Audi
    BMW
    Dodge
    Ford
    GMC
    Honda
    Hyundai
    Jeep
    Kia
    Lexus
    Mercedes-Benz
    Mitsubishi
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Model
    Chevrolet Silverado
    Chevrolet Malibu
    Ford Escape
    GMC Sierra
    Honda Accord
    Honda Civic
    Hyundai Tucson
    Jeep Cherokee
    Jeep Wrangler
    Kia Forte
    Mazda 3
    Nissan Altima
    Subaru Outback
    Subaru Crosstrek
    Toyota Camry
    Toyota Corolla
    Toyota Tacoma
    Toyota Highlander
    Toyota Rav4
    Volkswagen Jetta
    View all
    Car Insurance by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Insurance by City
    Austin, TX
    Boston, MA
    Charlotte, NC
    Chicago, IL
    Columbus, OH
    Dallas, TX
    Denver, CO
    Houston, TX
    Indianapolis, IN
    Jacksonville, FL
    Las Vegas, NV
    Los Angeles, CA
    Nashville, TN
    New York, NY
    Philadelphia, PA
    Phoenix, AZ
    Portland, OR
    San Antonio, TX
    San Francisco, CA
    Seattle, WA
    View all
    Car Loan by Make
    Audi
    BMW
    Chevrolet
    Ford
    GMC
    Honda
    Hyundai
    Kia
    Lexus
    Nissan
    Mercedes-Benz
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Company
    AAA
    Allstate
    Aspire Advantage
    Assurance America
    Bristol West
    Commonwealth
    Dairyland
    Encompass
    Infinity
    Kemper
    Mapfre
    Mercury
    National General
    Nationwide
    Plymouth Rock
    Progressive
    Safeco
    State Auto
    Travelers
    Car Loan by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Repair by Service
    AC Compressor Replacement Cost
    Battery Replacement Cost
    Fuel Injector Replacement Cost
    Fuel Pump Replacement Cost
    Ignition Coil Replacement Cost
    Oil Change Cost
    Oil Pan Replacement Cost
    Power Steering Fluid Service Cost
    Rotate Tires Cost
    Spark Plugs Replacement Cost
    Timing Belt Replacement Cost
    Valve Cover Gasket Replacement Cost
    Water Pump Replacement Cost
    Wheel Bearings Replacement Cost
    View all