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Q

I was recently rear-ended. Since it was not my fault, do I still have to pay the deductible, or will the other persons insurance cover my deductible? I don't think it makes sense that I would have to pay the deductible for being hit. If I hit someone, I pay the deductible to get my car fixed. If someone hits me, I also pay the deductible? That doesn't make sense, right?


A

If you were rear-ended and the person that hit you was found at-fault you should not have to pay a deductible in most cases. You should be able to get your damages paid for by putting a claim through the at-fault party's insurance company. They should have at least property damage insurance that should cover the damages to your vehicle.

If you have comprehensive and collision coverage you could submit a claim with your company if you felt the need to. You or your insurance company should then be able to recover the deductible amount from the at-fault party or their insurance company.


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1 Responses to "I was recently rear-ended. Since it was not my fault, do I still have to pay the deductible, or will the other persons insurance cover my deductible? I don't think it makes sense that I would have to pay the deductible for being hit. If I hit someone, I pay the deductible to get my car fixed. If someone hits me, I also pay the deductible? That doesn't make sense, right?"
  1. Kevin

    I was recently in an accident which was not my fault (the police already told us that the other driver was to blame). My insurance company wants to total the car, but what they are willing to give me for my car won't be enough to purchase another car of equal value to the condition of the car that was totaled. Can I make the other driver's insurance company pay to restore the totaled car to be road worthy again?

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