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QuestionInsurance Question  My boyfriend's car was parked in front of his house. It was hit and totaled. Does he have to pay his deductible?

AnswerAuto Insurance Answer

Yes, whether your boyfriend is using his collision coverage or uninsured motorist property damage coverage (if this was a hit and run), the deductible would normally be due if he is using his own insurance. If he is filing it with the at-fault party then no-deductible would be due and it would be filed against their Property Damage Liability coverage.

When you use your own auto insurance coverages to repair your vehicle, or receive a settlement for actual cash value (ACV) if it is totaled out, then the deductible that you chose at the inception of your policy will be due. The deductible is not dependent upon if you are at fault or not.

Some insurance companies may waive the deductible if it was a hit and run accident, your car was stolen, etc - however in general most all insurance providers require that the deductible is paid even when the damages are not the fault of the policyholder.

If the driver that hit your boyfriend's car is known and has insurance then your boyfriend could instead make a claim for his vehicle through that car owner's coverage. When you place a claim through the at-fault party's liability coverages then there is no deductible due by either party.

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