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- A collision deductible waiver applies only in specific not-at-fault accidents.
- You must typically identify the at-fault driver for the waiver to apply.
- Not all insurers include this coverage automatically — it may be optional.
- Hit-and-run claims often do not qualify unless the driver is identified.
- Waivers reduce out-of-pocket costs but may slightly increase premiums.
What is a collision waiver of deductible?
A collision waiver of deductible is an optional auto insurance feature that eliminates your obligation to pay your collision deductible if:
- Another driver is at fault
- The at-fault driver is identified
- The insurer can confirm liability
Normally, collision coverage requires you to pay a deductible (e.g., $500 or $1,000) before insurance pays for vehicle repairs. A waiver removes that cost in qualifying situations.
Key takeaway: A deductible waiver protects you from paying out of pocket when another driver clearly caused the accident.
When does a collision deductible waiver apply?
A waiver typically applies when:
- You are not at fault
- The other driver is clearly identified
- The other driver is insured
- The insurer successfully confirms liability
Some insurers require the at-fault driver to also be insured by the same company (state-dependent and insurer-specific).
Always verify with your carrier.
When does a deductible waiver NOT apply?
A waiver generally does not apply in these situations:
- Single-car accidents
- At-fault collisions
- Hit-and-run accidents (unless driver is identified)
- Uninsured at-fault driver (varies by policy)
- Liability disputes where fault isn’t confirmed
If fault cannot be determined quickly, you may still need to pay your deductible upfront — and possibly be reimbursed later.
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Is a collision waiver the same as uninsured motorist coverage?
No — they are different coverages.
| Coverage Type | What It Covers | Deductible Impact |
|---|---|---|
| Collision Waiver | Not-at-fault accident with identified driver | Deductible waived |
| Collision Coverage | Damage to your car regardless of fault | Deductible applies |
| Uninsured Motorist Property Damage | Damage caused by uninsured driver | May reduce or eliminate deductible (varies by state) |
Uninsured motorist property damage may have its own deductible rules, separate from collision coverage.
How much does a deductible waiver cost?
A collision deductible waiver is usually inexpensive — often a small addition to your premium.
Costs vary based on:
- State regulations
- Insurer
- Driving record
- Vehicle type
For many drivers, the added cost is minimal compared to the savings of avoiding a $500–$1,000 deductible after a not-at-fault crash.
Should you add a collision waiver?
You may benefit from adding it if:
- You carry a high collision deductible
- You commute frequently in heavy traffic
- You live in a high-accident area
- You want predictable out-of-pocket costs
It may be less necessary if:
- You already carry a low deductible
- Your insurer rarely offers it
- Your state provides similar protections under other coverages
What happens during a claim?
If you’re in an accident and believe you’re not at fault:
- Report the claim immediately.
- Provide the other driver’s information.
- Submit evidence (police report, photos, witness statements).
- Confirm whether your deductible will be waived.
- Request written confirmation before repairs begin.
If fault determination takes time, you may initially pay your deductible and later receive reimbursement.
Frequently Asked Questions: Collision waivers
Do all insurance companies offer a collision deductible waiver?
No. Some include it automatically, some offer it as an add-on, and others may not offer it at all.
Is the waiver automatic in a not-at-fault accident?
Not necessarily. Fault must usually be confirmed and the at-fault driver identified.
What if the other driver is uninsured?
The waiver may not apply. Uninsured motorist property damage coverage may help instead.
Can I get my deductible back if I already paid it?
Yes, if the insurer later determines you were not at fault and the waiver applies.
Is a deductible waiver worth it?
It can be worthwhile if you carry a high deductible and want protection from unexpected out-of-pocket costs after a not-at-fault crash.
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