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Do you have to pay your deductible before your insurance pays out for any claims?
My car was hit by an uninsured driver. I have to submit a claim for damage done to my vehicle. I have uninsured motorist coverage, but do I still need to pay my collision deductible?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Insurance companies only require that you pay deductibles on coverage that has a deductible attached to it.
Since you have
uninsured motorist coverage
, you shouldn’t have to pay a deductible unless there is one attached to your uninsured motorist property damage.However, fault is also a factor in paying your deductible. While it’s illegal to be uninsured in most states, an uninsured driver isn’t automatically at fault in an accident. The police report may also determine percentages of fault, which may not be 100% one way or the other in most cases.
If you’re at fault, you would likely still have to pay your collision deductible to get your vehicle repaired. Your insurance would then cover the uninsured driver’s damage.
If you’re worried about paying too much for car insurance after your claim, the
Jerry
app can help. Sign up in less than a minute for access to quotes from over 50 top insurers in the industry.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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