Thank you for your inquiry. I'm assuming that you and your spouse are insured by the same insurance company.

If so, some insurance companies waive one of the deductibles if both parties are insured by them. We have also seen situations where companies charge both deductibles too. You should report this loss to your insurance company if you have not already. You could also inquire about your situation with the claims adjuster. It is up to the verbiage in your insurance policy as to if they can charge it or not. Some policies/states define an incident as a single occurrence while others define it as a per vehicle occurrence.

Please leave a comment with your situation to help future visitors see if their situation is fair.

Each infraction such as moving violations, parking tickets, at-fault accidents, or driving under the influence, is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record. Each insurance company has its own method of evaluating applicants, so the points on your driving record may or may not have a direct impact on the rates you pay for auto insurance. The amount of claims and the costs of those claims are also factored into your rate.

You can get a car insurance quote here to see how this might affect your premiums.