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Why do I have to pay my collision deductible if I'm not a fault?
Why do I have to pay my deductible if the other party was at fault? I got into an accident and wasn't at fault. My insurance is saying I still have to pay my collision deductible.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Even if you’re not at fault, you may have to file a claim through your
collision insurance
and pay your deductible. This is often due to the urgency of repairs or the amount of coverage the other party carries.
When investigating an accident, each insurance company has an adjuster review the damage and accident details. If your vehicle is damaged and undriveable, your insurance company may pay for the repair up front.
Once the other driver accepts liability, your insurance would attempt to recover the costs from there. This often includes reimbursement for your deductible.
If the cost of repairs exceeds their
property damage liability
and you don’t have uninsured motorist coverage, your collision insurance would cover the damage.” View full answer
- Gregory R.
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