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Do you have to pay your deductible if the accident was the other drivers fault?
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Answered 2013-06-30 15:31:03
The other driver should be paying if they were At Fault; you may sue them for your deductible in small claims court if they had no insurance.
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If you are at fault in an auto accident do you have to pay the other persons deductible?
No, you have to pay your deductible.
If you get into an accident and the other driver is at fault and your car is totaled of course his insurance will pay but if they pay the deductible who gets it?
There is no deductible for liability claims.
If you get into a car accident and it is not your fault will your insurance go up?
Not if it is deemed to be 100% the other drivers fault and they have insurance.
Both parties in accident have geico ins. who pays for deductible?
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
In a two car accident who is responsible for the deductible?
If you are going through your own insurance, you are responsible for your collision deductible. If the other person is at fault, you can go through their insurance under their liability coverage so you do not have to pay a deductible.
If you are at fault in an auto accident do you have to pay the other persons deductible and my vehicle had already been damaged?
No. They are responsible for their own deductible. Because, when my van got hit, which was parked, I had to pay my deductible before the insurance company would cover it!
Who pays the deductible when the other person is at fault?
There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.
Can other drivers claim bodily injury from your insurance for a car accident in which driver is found at fault?
Yes, the driver who was at fault is responsible for the bodily injury for anyone who has been hurt in the accident. The percentage of payment that has to be made would depend upon the percentage of fault for the accident, the prevaling norms of the state or province where the accident ocurred.
Can you get your totaled vehicle replaced by the other driver's insurance if the accident was not your fault but you have Michigan PLPD insurance?
Yes, but proof will be necessary - determining fault. Some insurers like to mess with your head and question the "fault" and deny coverage. Get it in writing - possibly by the at-fault driver or YOUR insurance company. Here in Canada, even if you only have PLPD, if the accident is not your fault you are covered for repair, minus the deductible.
Who pays your deductible if the other person is at fault in Michigan no fault auto?
No fault insurance refers to injuries, not property damage. Being in a no fault state simply means that your injuries are payed for by your own insurance company regardless of who is at fault in an accident. Fault is still assigned for the purpose of determining who is responsible for property damage. It is always the at-fault party's responsibility for pay for the damage they cause to you. If you are going to have the damage for your car payed for under your collision coverage then you will have to initially pay for your deductible, unless you have broad-form collision. If you do pay your deductible then your insurance company will sue the at-fault party to recover the money that they payed to repair your car, as well as your deductible for you. This process is called subrogation.
Are you still at fault if the other person does not have insurance?
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?
Probably not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, then you can be issued a ticket. However, if the accident was not your daughter's fault, then the at fault party is responsible for the damage they caused to your vehicle, regardless if the other party was licensed or not.
What does a deductible mean if you are in a car accident?
A deductible, or insurance deductible, is an amount of money the first of which the insurance company will not pay towards the cost of the loss suffered. For example, a $500 deductible means that the insurance company will not pay the first $500 of a loss. Deductibles are made for the purposes of keeping the costs of insurance down by making the insured pay a certain amount of money and not make a claim towards minor losses. If the accident is the other person's fault, either their insurance company will pay that deductible or you can sue them in court.
How do you sue another persons insurance company for an accident that was your fault?
If the accident was your fault, the other party's insurerhas no duties owed you.
Can you file an insurance claim against both the at fault drivers insurance and the owner of the car you were driving when the accident accured?
No, The at fault driver in the other vehicle is responsible for your losses. Not the person from who you borowed the car you were driving.
If you are not at fault and the police report and witnesses prove this do you still pay your deductible?
You do not have to pay the deductible if the other person's insurance is paying the claim. If you put the claim through your insurance, and do not have uninsured, underinsured motorist protection then you will have to pay the deductible regardless of who's at fault.
Who is at fault if an underage driver wrecks a car and no other car is involved in the accident?
If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
Someone hit you an Neither I or other driver has insurance on our car who is at fault?
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
Do you have to pay your deductible if the accident was not your fault?
No. The other person's insurance should pay everything, including your rental car use during the time that your car is being repaired. UNLESS the person that hit you is claiming innocence and there were no witnesses. Then you may have to pay the deductible if your insurance company can not get them to pay.
Who is at fault when two cars are backing out of a parking lot at the same time and hit each other?
Generally you are both equally at fault unless (1) it can be shown that one of the drivers did something that was negligent or (2) if it can be proven that one of the drivers had a clear opportunity to avoid the accident and chose not to.
If the other driver is at fault is your deductible applicable to repairs and can you get a rental if there's no initial coverage for rental?
you cannot get a rental under your policy if you did not purchase that coverage............if you are repairing your vehicle under your collision coverage rather than under the physical damage portion of the 'at fault' drivers policy..........you will owe your deductible.........your company should subrogate the other carrier for your ded.amount they paid, and any out of pocket money you've spent on rental.........if liablity has been determined you can get a rental from other company as well as have them repair your vehicle thus no deductible......
What if you have no liability insurance and have an accident?
Well, generally you get a fine (ticket) to pay, Most states will now confiscate your vehicle and suspend your drivers license. If you were at fault in the accident you can also be sued by the other driver and any passengers that were injured.
Does the other driver's insurance company contact you if he was at fault?
Normally the other drivers ins should contact you. The first driver listed on an accident report is normally the one at fault but not always. If you are not contacted within three days it is best to contact your own insurance. Most insurance companies will file a claim, go after the responsible driver and settle the claim. You may be required to pay your deductible in this instance but it should be refunded to you when the other parties insurance makes payment.
In a car accident will you be at fault if you were on the cell phone?
It depends what the other person in the car accident was doing.
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