How can I avoid paying my car insurance deductible?

I got into an accident and will need to use my collision insurance. I have a $1,000 deductible. How can I avoid paying it?

Answer
Sorry to hear about your accident! Hopefully, you can get everything sorted quickly.
Unfortunately, if you need to file a collision insurance claim, you are responsible for paying your deductible. After you pay your deductible, your car insurance would cover the remainder of the cost of the damage.
The only time you may be able to avoid paying your deductible is if another party is at fault. When another driver is responsible for the damage, you would submit a claim to their insurance, also known as a third-party claim. The other driver’s insurance would then cover the damage to your vehicle without you having to pay your deductible.
In some situations, you may be able to get your deductible reimbursed if you filed a claim to your insurance for repairs but the other party is responsible for the damage.
If you want to avoid paying your deductible in the future, you may want to consider reducing your deductible. While having a higher deductible means your premium is less, you have a larger amount to pay out of pocket. Most companies offer deductibles ranging between $0 to $2,500. If you can afford to, you could lower your deductible to prevent having to pay a high amount out of pocket.
But if your rates keep increasing due to a lower deductible, shopping around becomes essential. Sign up with the Jerry app to compare quotes from over 50 insurers in just minutes.
Emily Maracle
Answered on Oct 20, 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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