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?

Answer
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.
Emily Maracle
Answered on Oct 25, 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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