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?
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.
While you likely won’t have to pay your deductible, now is a good time to assess your policy and coverages. If the thought of paying your deductible is causing additional stress, it may be worth lowering it. Although carrying a high deductible can save you money on your premium, you have make sure it won’t cause financial hardship in the future.
You can always ask your insurance company for a quote on lowering your deductible. If the price isn’t affordable, shop around with Jerry. Jerry is your one-stop personal insurance shopper, collecting quotes from the top insurance companies in second and ensuring you always have the best rate.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
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
Browse by topics
What others are asking
How much should your first car cost?
How much should I spend on my first car? After living in the city for so long and never needing a car, I am moving to the suburbs and want my own transportation. Since I’m 27 and have never made a big purchase, I need help figuring out the financials.
Oct 20, 2021
How do I renew car insurance from Progressive?
I think my first policy term with Progressive is almost up. I haven't had insurance before this and I want to renew my policy. How do I do that?
Oct 25, 2021
How do I remove a car from my insurance?
My daughter turned 25 and she's getting her own insurance policy. I need to remove her car from my insurance, but I'm not sure how. How would I do that?
Oct 25, 2021