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Do you pay a deductible if the accident was the other drivers fault and their insurance is paying for repairs?
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If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?
Yes, if your policy has adequate coverage. If you have full coverage insurance, your car will be repaired completely and your portion of the repairs will be whatever your deductible is.
How do you get an accident claim against own car when the car is fully insured?
Report the accident to your insurance company. If this was a single car accident - meaning yours- your insurance will have to pay for the repairs minus your deductible. If another party caused the accident you need to turn their insurance information over to your company and they will take it from there.
If a truckdriver hits a car who pays the deductible the driver or the owner of the truck?
THE POLICY HOLDER, WHO IS USUALLY THE OWNER OF THE TRUCK IS RESPONSIBLE FOR THE DEDUCTIBLE. If the truck driver is fully responsble for the accident, his insurance should pay for the damages to the car and there would be no deductible. If the car owner went through his coverage first to get repairs done, then the car owner is responsible for the deductible. Then the car owners insurance would go through subrugation to the truck drivers insurance to get full payment of the loss. When that is completed, the car owner would get his deductible returned to him.
What is a deductible in auto insurance?
A deductible in any kind of insurance is, basically, the minimum amount before the insurance "kicks in." On any repairs covered by your insurance, you will have to pay the deductible amount before the insurance will pay anything.
I had a single car accident with no injuries and just damage to my car. How do I proceed with my insurance company?
You call your insurance company and file a collision claim. You pay your collision deductible and they will set up repairs for your vehicle.
What can you do if you do not have the money for the deductible for your home owners insurance claim?
You can either borrow money or what to get the repairs done until you have your deductible.
How will the brake line repair cost impact my insurance rate?
The insurance wreck does not go up because of your accident to get repairs on your vehicle. Your insurance increasing only when you are at fault. If you weren't at fault then you pay the deductible and your insurance company would fight for you to get it repaired.
Do you have to pay deductible if it was vandalism?
Whether you have to pay a deductible for vandalism on your insurance policy depends on the terms of your specific policy. Some policies have a separate deductible for vandalism, while others may waive the deductible for this type of claim. Check your policy documents or contact your insurance provider to determine if a deductible applies in your situation.
Why is auto insurance mandatory?
Driving is considered a privilege and not a right. Because it is a privilege drivers are required to prove they are financially responsible. Mandatory auto insurance is proof that drivers are financially responsible to cover damages or injuries in the event of an accident. Because most drivers cannot reasonably pay for the cost of repairs and medical bills they cause in an at fault accident, states require auto insurance to protect both third party drivers and the policyholder.
Is insurance premium part of deductible?
The insurance premium is the amount you pay the insurance company every month. The insurance deductible is the set amount which you pay out of pocket for repairs after you make a claim. For example... you may pay $100 to the insurance company every month for the insurance policy and have a $500 deductible. If you file a claim you are expected to pay for $500 of the repairs yourself, while the insurance policy covers anything above that amount up to your max limits.
If both drivers in an accident are uninsured does it matter who was at fault?
Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.
If you are the victim of a hit and run accident how do you recover the deductible from your repairs?
Since you don't know who hit you, then you can't recover.
