When am I required to pay my deductible in an accident?

Do I have to pay my deductible to get my car fixed if I'm not at fault? I was hit in an intersection. The other driver is at fault.

“When you have comprehensive insurance and collision insurance, you are required to pay your deductible when you submit a claim with your insurance.
The only time you aren’t required to pay that deductible is if someone else is at fault and their property damage liability will be covering the damage on your vehicle.
Since the other driver is at fault, you should not be responsible for your deductible.
However if the other driver is uninsured or underinsured, you may need to submit a claim and pay your deductible to get your damage repaired. Your insurance may then try to collect your deductible back from the other driver to reimburse you.”
Emily Maracle
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.

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