How does it work when your deductible is higher than the cost to fix the damage?
I have a $2,000 collision deductible and was involved in an accident where I was not at fault. The cost to fix my car is $1,750. Who pays for that?
“In this situation, the at-fault party is responsible for paying to have your car repaired, regardless of your deductible. Their property damage liability covers this.
If the other driver is at fault but is uninsured, you would be covered by either your collision insurance or uninsured motorist property damage coverage. Then you or your carrier would be reimbursed through a legal action taken by your carrier called subrogation. Subrogation involves suing the at-fault party for any lost funds. “
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
I haven't had an active insurance policy for the past seven years after having several car accidents. Will it be hard to find good coverage?
I had terrible luck and was involved in several accidents about seven years ago. Due to the cost of insurance and car payments, I decided to get rid of my car. Now that I have good credit and can afford a car again, I learned not having insurance all this time will hurt me. Is that true?
Apr 29, 2021
Does home insurance cover removal of lead paint?
I'm house hunting and considering some older properties. I'm worried about dealing with lead paint with an older home, though. Will insurance pay to remove lead paint?
Mar 02, 2021