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Q

If I hit another car, will I still have to pay a deductible to have the other car fixed if the other driver files the claim with my insurance?


A

No, you do not owe a deductible amount if the person that you hit files a Property Damage Liability claim with your car insurance company for the damages you caused them.

Neither you nor the person you hit has to pay a deductible for the damages you caused when they make a claim with our Liability coverage. Deductibles are due when you use coverages for which you have chosen a deductible amount for. This normally includes both physical damage coverages of Collision and Comprehensive. In some states, a deductible is applied when you file against your own Uninsured or Underinsured Property Damage (only available in a few states).

If you have Collision coverage on your car and have to place a claim for the damages your vehicle sustained in the accident that you were at-fault for than you would be responsible for the deductible amount associated with your Collision coverage.

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