Do you pay your collision deductible if you're at fault in an accident?

I hit another car in an intersection and was at fault. My car needs repairs. Since I was at fault, am I responsible for paying my deductible?

Answer
“The purpose of collision insurance is to cover damage that you do to your vehicle. It can also cover damage from an uninsured motorist.
When you’re at fault and submit a claim to your insurance for collision coverage, you’re responsible for your deductible. Your property damage liability would then cover the damage to the other driver’s vehicle. If you weren’t at fault, the other driver’s insurance would cover your damage.
Bear in mind that your rates will go up as a result of the accident. That’s when you might want to consider shopping around for car insurance quotes with Jerry. In just minutes, you can search and compare rates from over 50 insurers and get the best rate for your needs.”
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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.
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