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Do you contact the at-fault person's insurance or does your agent and if your insurance pays for your damages does his have to pay the deductible?
Wiki User
∙ 8y ago
Quite often, when the other carrier has accepted liability but you have had your damages taken care of by your own carrier, the at-fault carrier will agree to send you your deductible. Any of you can call the at-fault carrier and request this, though they'll need proof from your own carrier as to what the deductible is.
If, however, there's a liability dispute between your two carriers, you'll have to wait until your carrier subrogates and/or arbitrates the other carrier. All this means is that your carrier will ask for their money back, including your deductible, and if the other carrier declines, your carrier will initiate arbitration. Your carrier may or may not win; if they do, they get their money back and can send you your deductible.
Wiki User
∙ 8y ago
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Who pays the deductible when the other person is at fault?
There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.
When your insurance said comprehensive less deductible 1000 what does that mean?
The deductible is the amount of money you will pay out of pocket before the insurance coverage kicks in. If you have 900.00 in damages, they wont pay anything. If you have 1500.00 in damages, they will give you 500.00. Less meaning - minus the deductible
If you get into a car accident and the other person does not have insurance do you still pay the deductible?
This depends on many factors, including the ability of the other person to pay for your damages. Some insurance policies will not require you to pay a deductible. Others will. If the other person can pay for the damages, you and your insurance will not have to pay.
Can your insurance go after someone that damaged your car and get your deductible back?
Yes. If someone hits your vehicle and the insurance company pays for the damages, they will go after the person who was at fault for the damages paid and after they collect all the money paid out they will reimburse you for the deductible that you paid when the vehicle was repaired. The damages were paid under your uninsured motorists coverage which has at least a $250 deductible for property damage so when all the damages are recovered from the person, that will include the deductible and you will get a check back for that amount.
Are you responsible for the deductible on the insurance of the car you hit if you do not have insurance?
If you were legally at fault, you are responsible to pay all damages to other vehicle. Even if you pay the other persons deductible, that insurance co. will come after you for total amount. The person that you gave the money to for their deductible will then have to give some of that back to insurance co., if they find out that deductible was given to him (her) by you.
Do you have to pay the full deductible even if the accident wasn't your fault?
Yes. If the claim is being made on your insurance. For example, if the damages are $2000 and there is a $500 deductible, the insurance company will pay $1500.
If your parked car is hit in a school parking lot by an uninsured motorist what action can you expect from your own insurance company?
It depends on what sort of coverage you have on the vehicle. If you are fully insured, then the insurance will pay the damages minus your deductible. If not, you are on your own and will have to try to get the other party to pay for the damages. If your insurance pays, you can still sue the other party for the amount of your deductible.
Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
What legal rights do you have when an uninsured motorist rear ends you?
If you have uninsured motorists coverage your insurance company will take the place of the other parties insurance coverage less a small deductible. They will then go after the other party to collect the amount of damages paid out plus your deductible. If and when it is all collected they will send you back your deductible. If your insurance company handles the claim for you and pays your damages you will have no further recourse as you sign over your legal rights to the insurance company under a subrigation agreement.
What do you do if the driver who hit you does not agree to contact their insurance company?
If you have their driver's license number or the license plate number from their car, you can call the Division of Motor Vehicles for your state to obtain insurance information. From there, follow that company's procedure for reporting a claim. You could report the loss to your own insurance carrier and even make a claim if you think the damages exceed your deductible. Your insurance company would then contact the insurance carrier for the other party and make a claim to recover any amounts they had paid you, including your deductible. This is called subrogation.
Can the other persons insurance cover your deductible?
Yes. That is part of your claim against them. However, if you filed with your insurance company, you gave up your right to pursue them for damages. Generally speaking, your insurance company will pursue the other party's insurance company and if the other company pays, that payme usually includes your deductible.
Can you claim on your insurance if a neighbors tree damages your house?
Probably. Contact your insurance. They may file against your neighbor's insurance.
