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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?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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. “
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