Would i have to pay collision deductible if am not at fault for a accident?

Question

I was driving on a 3 lane street, I was in the middle lane and the person on my left was the one who hit me, she hit me trying to avoid hitting someone else. the police came and they told us to exchange info and they left( my insurance told me that they filed a report at the police station). I went and got my car apprised 2 days ago and am waiting for it in the mail. On my coverage i took the $500 deductible for collision, am just wondering would i still have to pay my deductible if i wasn't at fault for the accident?

foxychick24 · Accepted Answer

It depends. 

If you entered the claim in through YOUR insurance you will have to pay the deductible to have your car fixed, then your insurance company will go after or subrogate against the other person who was at fault.  If your insurance company gets any money back from the other insurance company (who accepts liability for their driver being in fault for the accident) you will be the first person to get your deductible back.  Sometimes this process can take 1- 6 months or more to get your $500 back from the other insurance company. 

If you entered the claim in through the other person's insurance, no you do not have to pay a deductible, but your insurance company will not be involved with the claim and you will have to do everything. 

Hope this helps.

Preston V · Answer

Only if she doesn't have insurance, but she does so what you need to do is call her insurance and file a claim. You don't have to pay for anything and don't agree to.

hunterschowder · Answer

No if she it you i don't see any way that you would have too pay for the accident.

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Would i have to pay collision deductible if am not at fault for a accident?

3 Answers