Is my collision deductible required if someone hit me?

I was rear-ended at a stop light. I have to submit a claim for damage, but do I have to pay my deductible? Would the at-fault driver's insurance cover it?

Answer
“If you are not at fault in an accident, you typically aren’t responsible for your collision insurance deductible. The at-fault driver’s insurance should pay for the repairs to your vehicle and you wouldn’t be required to submit a claim to your own insurance.
However, if the other driver is uninsured or their insurance is slow to repair your vehicle, your car insurance company may require you to pay your deductible and submit a claim with them. They would then seek to collect from the other driver’s insurance and reimburse you.
While it’s not always guaranteed that you’ll be reimbursed, in most situations you should be.
If you’re concerned about damage to your vehicle from a hit-and-run or an uninsured motorist, you may want to add those coverages to your policy or shop around to see what rates you can find. That’s when Jerry can help. Hop on the app today to compare quotes from dozens of reputable car insurance companies.”
avatar
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.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

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

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free