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QuestionInsurance Question  From Maryland - our vehicle, 1998 Taurus in good condition, was hit while parked. The other vehicle left the scene immediately. Witnesses provided description of other vehicle with a partial tag number so far, no luck identifying this vehicle or owner. Damage to our car was $1800 we have $1000 deductible, collision/comprehensive. Since this was a no fault type incident, are we still liable to pay the $1000 deductible?

AnswerAuto Insurance Answer

Yes, normally even though this accident was not your fault your collision deductible would still be due.

The Maryland Insurance Administration defines a deductible as the amount you agree to be responsible for in the event of damage to your vehicle (i.e. accident, fire or vandalism). If you look at their second example, vandalism, that would be an incident which you would not be at fault for but also like the hit and run would be responsible for the deductible for your coverages used to repair the car.

Since you were not at fault, your insurer does have the right to subrogate or pursue the At-Fault Driver and his insurer to recover the amount it paid out on your behalf, as well as your deductible if the driver that hit your parked car can be found. If they were able to find the driver and subrogate the amount of the repairs and your deductible amount then that should be repaid to you.

You may of course discuss with your insurer to see if they ever waive the deductible in cases such as yours where there was a hit and run accident with your parked vehicle. This would be up to the insurance provider to then decide if they will waive your deductible amount for this incident or not.

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