Does liability insurance have a deductible?
Does liability insurance have a deductible like other types of insurance? I know that full coverage and uninsured property damage has deductibles.
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Answered on Jul 08, 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.
“Your liability car insurance does not have a deductible attached to it.
Both your bodily injury liability and property damage liability will cover others’ injuries or damages without an immediate out of pocket cost to you.
The only time you may have to pay out of pocket would be if you exceed your policy limits for either coverage.
Deductibles exist for:
Because you are filing a claim against your own coverage, you need to pay a deductible. As it applies regardless of fault, your insurance requires you to pay for some of the cost.”
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