For the other party's damages that were sustained in the accident that appears to be your fault, you should inform your insurance agent of the accident and damages. in general, the other party should call to file the claim.

This third party claim would be put against your property damage liability policy normally and there would not be a deductible due. If you place a claim for your vehicle's damage against your collision coverage then you would have a deductible due.

Normal liability coverages for those that your harm, bodily injury and property damage, do not come with deductibles that you or the other party would have to pay.

To find out more about your insurance policy and how to file a claim or help the other driver file a claim speak with your agent or claims department of your auto insurer.