Who is responsible for your deductible in an accident if you aren't at fault?

I was not at fault in an accident. I have to get my car repaired. Will the other driver pay my collision deductible or am I still responsible for it?

Answer
“If you were not at fault in the accident, you are not responsible for paying your collision insurance.
The only time you are required to pay your collision deductible is if you are submitting a claim to your insurance for damage that you caused on your own.
Since the other party is liable, their property damage liability insurance will pay for your damage up to their policy limit. As your deductible only applies when you submit claims, they wouldn’t need to pay the deductible either.
However, if you have to file a claim, your insurance rates might go up. In this case, you should use the Jerry app to compare rates from top insurers and get the best value possible.”
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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.
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