Do I have to pay my deductible to fix someone else’s car?

Who pays the deductible in a car accident?

You’re responsible for your policy’s stated deductible every time you file a claim. After you pay the car deductible amount, your insurer will cover the remaining cost to repair or replace your vehicle. Example: You have a $500 deductible and $3,000 in damage from a covered accident.

What do I do if I damage someone else’s car?

As long as you had permission to drive the other person’s vehicle, their insurance should cover the accident. If the total damages exceed their policy limits, you would then file a claim with your own insurance company for the remaining costs.

Do you pay a deductible if you’re not at fault?

You do not have to pay a car insurance deductible if you are not at fault in a car accident. The at-fault driver’s liability insurance will usually cover your expenses after an accident, but you may want to use your own coverage, in which case you will likely have to pay a deductible.

IT IS INTERESTING:  What is an EA189 engine?

How can I get out of paying my car insurance deductible?

If you want to file a claim but cannot pay your deductible, you have a few options. You can set up a payment plan with the mechanic, put the charge on a credit card, take out a loan, or save up until you can afford the deductible.

Do I pay a deductible if someone hits me?

Your insurance company will pay for your damages, minus your deductible. Don’t worry — if the claim is settled and it’s determined you weren’t at fault for the accident, you’ll get your deductible back.

Can you sue someone for your deductible?

Can I sue the other driver for it? Robert’s Answer: Yes, you can sue the other driver. But your insurance company will probably go after the other driver themselves. … Most insurance companies will refund your deductible first, but you might want to call and make sure.

How do you file an insurance claim if someone hits your car?

Steps to Take at the Scene

  1. Call the police. An officer will document the incident and create an official accident report, which you will typically need to have when filing your claim with your insurance company, says the Insurance Information Institute (III). …
  2. Document the accident. …
  3. Notify your insurer.

How does insurance work if someone borrows your car?

Your auto insurance policy is responsible for your car when someone else driving it is involved in an accident. … If a friend borrows your car and causes an accident, your insurance policy pays for any at-fault damages. A rule of thumb to remember in this situation is “car insurance follows the car, not the driver.”

IT IS INTERESTING:  Quick Answer: How do I stop wind noise in my car window?

How do I get my deductible waived?

Here are some scenarios that might allow your deductible to be waived:

  1. You have broad collision coverage. …
  2. You have purchased a car insurance deductible waiver. …
  3. The other driver is uninsured. …
  4. You need to repair a crack in your windshield or windows.

Do you file a claim with another person’s insurance?

You can’t make a claim against the other party’s insurer unless they have made a claim on their insurance policy. If your car was damaged in a car accident and you believe that the other party was at-fault, you should ask the other party to provide you with details of the claim number for their insurer.

Is it better to have a $500 deductible or $1000?

If you have a $1,000 deductible your insurance pays for anything over that amount. That $500 difference in your deductible could make a big difference in your premiums. And the lower the deductible you want the higher your premium could go. For some people having a lower premium each month is worth the high deductible.