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Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

Do I have to pay my deductible to get another car fixed that I hit if there was no damage to my car?

No, you do not pay a deductible amount to get another car fixed if the person whose car you damaged makes a claim against your insurance policy for the damages you caused in an accident.

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If you are at-fault in an accident and the other party makes a claim against your property damage liability (this is called a third party claim) then there is no deductible amount due by either you or the other car owner. Your liability insurance pays for their damages without you owing a deductible.

If your own vehicle was damaged and you used your collision coverage then the deductible you had associated with this physical damage coverage would be due.

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Question Details
This car insurance answer was last updated 9:02 PM Aug-18.
This Insurance Claims question was asked 04:08 PM August-16-2008.
Jason B. requested this car insurance help from CarInsurance.com experts.
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