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QuestionInsurance Question  I rear-ended someone today. Do I pay a deductible if it is just the other car getting fixed? My car is fine and they only got a tiny mark on their bumper the size of a dime (which was from the the screw holding my license plate).I'm trying to decide if I'm better off going through the insurance or paying the other party the $800 estimate. I was under the impression that a deductible is only paid when one is fixing their own car?

AnswerAuto Insurance Answer

You are correct; a deductible is typically only paid when using your own physical damage coverages (comprehensive or collision) to repair damages to your vehicle. When it is your liability coverage that has a claim placed on it by the other party whose car you damaged there is not a deductible to be paid.

If you were using your collision coverage for your vehicle to be fixed in the situation you described then you would have to pay out the deductible amount that you choose when you started up your physical damage coverages on the vehicle.

It is a personal decision if you want the other party to go through your property damage liability coverage with your insurance company or if you want to pay "out of pocket" for their bumper damages. If you pay out of pocket it is customary for the other party to get 3 estimates. Hopefully they all are close in price so that you know the estimated repair costs are accurate.

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