Car Insurance Deductible Not At Fault

The at fault driver s insurance company so that the not at fault driver gets their deductible back.

Car insurance deductible not at fault. This is because liability insurance doesn t have a deductible. Insurance will not cover their end of the cost until you pay your deductible. You have good car insurance and know that you re not at fault so you carefully document the damage exchange information with the other driver and file a police report. Filing a claim with your insurance company.

If you are found to be 100 at fault for the accident you will be required to pay your deductible in full. Then you tell a friend about the accident and that friend cautions you to think twice about filing a claim with your car insurance because the company could jack up your insurance rate. When you might not be required to pay a car insurance deductible. Deductible for no fault medical benefits.

If you hit a car and are found at fault you won t have to pay a deductible for your insurance to cover the other driver s damage. For instance if you have a 500 deductible and 3 000 in damage from a covered accident your insurer would pay 2 500 to repair your car. You do not have to pay your deductible if you are not at fault for the car accident that being said you might want to pay your deductible and file for damages with your own insurance company instead of filing with the at fault driver s insurance. If you aren t at fault in an indiana car accident there are two ways you can recover damages.

An auto insurance deductible is what you pay out of pocket on a claim. If the other driver caused the accident you would not pay a deductible because their insurance company will pay for the damages. If the owner of the other car makes a claim against you you do not pay a deductible to fix their car. What if i hit another car.

Subrogation is the insurance world s way of saying we re working on getting your deductible back because the accident wasn t your fault basically subrogation is when one insurer e g. If you are injured in an accident that was not your fault and you file under the liability insurance of the at fault driver then you do not have to pay a deductible. Car insurance deductible partially at fault. However if you decide to make a claim for damage to your own car you will likely have to pay a deductible.

If you are found to be partially at fault you could be required to pay your full deductible or part of the deductible depending on your insurance company s claims policy. If you re in an accident with another driver that s determined to be his or her fault you may not have to pay your collision deductible. It s one of the most common car insurance questions and may be the easiest to answer. Under the michigan no fault insurance law if you chose to have a deductible on your no fault coverage for auto accident related medical bills then you will have to pay the deductible even if you are not at fault and had nothing to do with causing the car accident.

The insurance company is supposed to pay the full costs of repairing your vehicle covering your medical bills reimbursing you for lost wages pain and suffering and all other damages named in the language of the policy.