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Is my collision deductible required if someone hit me?
I was rear-ended at a stop light. I have to submit a claim for damage, but do I have to pay my deductible? Would the at-fault driver's insurance cover it?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you are not at fault in an accident, you typically aren’t responsible for your
collision insurance
deductible. The at-fault driver’s insurance should pay for the repairs to your vehicle and you wouldn’t be required to submit a claim to your own insurance. However, if the other driver is uninsured or their insurance is slow to repair your vehicle, your
car insurance
company may require you to pay your deductible and submit a claim with them. They would then seek to collect from the other driver’s insurance and reimburse you.While it’s not always guaranteed that you’ll be reimbursed, in most situations you should be.
If you’re concerned about damage to your vehicle from a hit-and-run or an uninsured motorist, you may want to add those coverages to your policy or shop around to see what rates you can find. That’s when
Jerry
can help. Hop on the app today to compare quotes from dozens of reputable car insurance companies.”View full answer
- Gregory R.
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