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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.
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∙ 11y ago
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Both parties in accident have geico ins. who pays for deductible?
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
If i am at fault who pays for the other person damage?
You do. Or your insurance does.
Which driver pays collision deductibles?
the owner/insured of the vehicle that has a collison claim is the one that pays/owes that deductible... deductibles only apply on your own vehicle repair...not the person's you hit (except for some commerical policys that have a deductible on their liabilty coverages)....now if you elect to use your coverage and another party is at fault, then some times they will 'front' the deductible (if liablity has been determined and they have accepted full liab.) or your company will subrogate then entire amount including your deductible from the at fault party once all repairs have been made...but assuming you are at fault or it was a hit and run and can't find other party and you are using your collison coverage, then you will owe your deductible
Who pays the deductible if someone hits your car?
The identified third party at fault is responsible for paying the deductible in the event of a motor vehicle accident.
Who pays your deductible if the other person is at fault in Michigan no fault auto?
No fault insurance refers to injuries, not property damage. Being in a no fault state simply means that your injuries are payed for by your own insurance company regardless of who is at fault in an accident. Fault is still assigned for the purpose of determining who is responsible for property damage. It is always the at-fault party's responsibility for pay for the damage they cause to you. If you are going to have the damage for your car payed for under your collision coverage then you will have to initially pay for your deductible, unless you have broad-form collision. If you do pay your deductible then your insurance company will sue the at-fault party to recover the money that they payed to repair your car, as well as your deductible for you. This process is called subrogation.
Who or what insurance company pays for the collision damages to the automobile belonging to the person not at fault?
The other person's insurance covers damamge if it was their fault.
In a no fault state would you have to pay the other party's deductible?
No - each party pays their own deductable and everyone goes their separate ways. No Fault means just that "NO Fault" ... if nobody is at fault then it's like it never happened as far as trying to get the other party to pay your deductable.
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?
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.
Who pays for the towing charges in an accident that is not your fault?
The other person's insurance. This just happened to me.
Who pays for damage to car if the person is not the owner?
The person who is found to be at fault or liable pays for the damage.
If an insured person hit an uninsured person will the insured persons insurance pay for the damage?
Depends on the state.. and if the state is a "no-fault" state. Typically, in a no fault state, the person at fault pays for damages incurred. In a no-fault state (such as Michigan), each person pays for their own damages.
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.
