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.

Answer provided by
Emily Maracle
Answered on Jul 06, 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.
“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 driver is uninsured or underinsured, you may also have to pay 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.”

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