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THE POLICY HOLDER, WHO IS USUALLY THE OWNER OF THE TRUCK IS RESPONSIBLE FOR THE DEDUCTIBLE.

If the truck driver is fully responsble for the accident, his insurance should pay for the damages to the car and there would be no deductible. If the car owner went through his coverage first to get repairs done, then the car owner is responsible for the deductible. Then the car owners insurance would go through subrugation to the truck drivers insurance to get full payment of the loss. When that is completed, the car owner would get his deductible returned to him.

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Q: If a truckdriver hits a car who pays the deductible the driver or the owner of the truck?
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