Do you have to pay a car insurance deductible when not at fault?
Your insurance company will pay for your damages, minus your deductible. Don't worry — if the claim is settled and it's determined you weren't at fault for the accident, you'll get your deductible back. The involved insurance companies determine who's at fault.
One of the most common questions we hear during car insurance claimsopens a pop-up with definition of claims goes something like this: “If my vehicle was damaged in a collision that wasn’t my fault, do I have to pay my deductibleopens a pop-up with definition of deductible?”
While each situation is unique and there’s no one-size-fits-all answer, let’s look at a few of the factors that help determine whether or not you’ll have to pay your deductible when your insurance company determines you’re not at fault for a collision.
The general rule of thumb in provinces with Direct Compensation Property Damage coverage
If you live in Ontario, Quebec, Nova Scotia, New Brunswick, or PEI, your insurance company would typically pay for damages to your vehicle under the Direct Compensation Property Damageopens a pop-up with definition of Direct Compensation Property Damage (DCPD) section of your policy when you’re not at fault for a collision. If your insurance policy has a $0 deductible for DCPD claims, you won’t need to pay a deductible.
Let’s look at an example
You live in Ontario and another driver rear-ends your vehicle on your way to work. Your insurer determines you’re not at fault, so they cover the damage to your vehicle under the DCPD section of your policy. Your DCPD deductible is $0, so there’s no deductible for you to pay.
The exception
Your insurance company can only pay for the damages under the DCPD section of your policy if the other vehicle involved in the accident is insured by a company that either a) sells car insurance in the province where the accident happened, or b) has agreed to follow the DCPD rules in the province where the accident happened.
Let’s look at an example
You live in Nova Scotia and a driver visiting from Florida hits you on your way home from work. If the Floridian driver’s insurance company hasn’t agreed to follow the DCPD rules when a collision occurs in Nova Scotia, damage to your vehicle would be covered under the collision section of your policy. This means you’d have to pay your collision deductible. But not to worry — your insurer may be able to get your deductible back from the other driver’s insurance company, which we’ll touch on again further in this article.
What if you get into a collision in the US or in a province where DCPD doesn’t apply?
While the answer is pretty clear if you’re involved in a collision in your home province (and your province follows DCPD rules), it gets a little more complicated when you live in or get into a collision in a location where DCPD doesn’t apply.
Damage to your vehicle as a result of a not-at-fault collision will be covered by the collisionopens a pop-up with definition of collision section of your car insurance policy if DCPD rules don’t apply in the province where you live or where the accident occurs, or in situations like the Nova Scotia example mentioned above. In these situations, you’ll have to pay the deductible that is listed under the collision section of your policy.
After your insurer pays your claim, they will usually seek repayment from the at-fault driver’s insurance company — meaning if you do have to pay your collision deductible, your insurer may be able to get that money back and return it to you. If the at-fault driver’s insurance company agrees to pay for the damages up front, then your insurance company will usually agree to waive your deductible. Even when your not-at-fault collision has to be covered under the collision section of your policy, your insurance company should still consider this a not-at-fault loss — so it shouldn’t affect your premiumopens a pop-up with definition of premium.
Note: If you don’t have collision coverage and you live in or get into an accident in a province where DCPD doesn’t apply, damage to your vehicle won’t be covered at all — even if you’re not at fault. If you’re not at fault and you want to seek payment for the damage yourself, you’ll have to deal with the at-fault driver or their insurance company.
Do you have to pay your deductible if your vehicle is damaged in a hit and run collision?
If you’re the victim of a hit and run collision, damage to your vehicle will be covered under the collision section of your policy (and not DCPD) — because if your insurer can’t identify the other driver, they won’t be able to identify what kind of coverage they had, either. This means you’ll have to pay your collision deductible.
Every car insurance claim is unique, and there are a lot of variables that go into determining the outcome of a claim. If you’re wondering about your own coverage or deductibles, contact your licensed insurance broker. If you’re involved in a claim and have questions about how your coverage or deductible will apply, speak to the representative working on your claim.
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When you drive with Uber, we maintain auto insurance on your behalf. ... during an Uber trip and another driver is at fault and doesn't have sufficient insurance. ... fault. There is a $1,000 deductible that you must pay first before this coverage applies. ... ¹ We maintain automobile liability insurance on your behalf if you do not ...
Auto Insurance FAQs | Missouri Department of Insurance ...https://insurance.mo.gov › faq › autofa...
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An auto insurance company is not offering to pay 100 percent of my damages on a ... Do you have to buy uninsured motorist coverage on an auto policy? ... If you do not agree with the insurer's assessment of fault, you have to ask the courts to ...
What does a no-fault state mean for auto insurance ...https://www.coverage.com › insurance
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الانتقال إلى How do no-fault-laws affect car insurance coverage? — In no-fault states, and even in some ... PIP coverage levels required for motorists. ... essential services you are ... PIP coverage to pay for medical bills.
Who Pays For Your Auto Repair After A Car Accident You ...https://www.chaliklaw.com › FAQs
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This is due to Florida's No-Fault laws regarding car accidents. ... In most cases, your insurance will pay for your auto repair after an accident you did not cause in Florida. ... You will likely have to pay a deductible before your car repairs.
No Fault Insurance | The Mitchell & Abbott Group Insurance ...https://mitchellandabbott.com › no-fau...
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The term "no-fault" insurance simply means if you are injured or your car is ... your percentage of fault will determine the amount of deductible you have to pay.
Guide to Car Insurance - Investopediahttps://www.investopedia.com › articles
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If you don't have health insurance, load up this option with hefty coverage that will ... an auto accident, the chances are about one-in-eight that the at-fault driver is ... That's not what you want to hear when you really need them after paying your ...
Mississippi Insurance Department - Auto Insurancehttps://www.mid.ms.gov › consumers· ترجم هذه الصفحة
الانتقال إلى Liability: What You Need To Know — Liability coverage pays for damage you cause to other ... requirements of 25/50/25 may not be sufficient. ... Remember, if you are at fault in an accident, liability coverage will only pay up ...
Automobile Insurance Guide - Pennsylvania Insurance ...https://www.insurance.pa.gov › Documents › auto_guide
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You agree to pay the premium, and in return, the insurance company agrees to pay ... registration if you do not maintain the required insurance on your vehicle. Auto insurance ... in an accident and you are at fault, this coverage pays for it. The.
Automobile Insurance | Department of Insurance, SC - ...https://doi.sc.gov › Automobile-Insura...
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Auto insurers are required to offer you underinsured motorists coverage in South ... “total” the car and pay you the actual cash value of the car, minus the deductible, ... While not required by law, comprehensive and collision coverage may be ... If you're having a specific problem with an insurance company, broker, agent, ...
How Car Insurance Works When You've Had an Accident ...https://www.edmunds.com › how-car-i...
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16/07/2013 — All on its own, insurance coverage can be baffling, but the car insurance claims ... "They go through it all very quickly, so you have to pay attention," he says. ... As with many things in car insurance, fault assessment is not ...
Car Insurance FAQ | Answers to your car insurance questionshttps://www.joinroot.com › help
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Do you have questions about your Root car insurance policy or how Root auto insurance works? ... How do you know that I'm the driver and not the passenger? Once you download ... How do I pay for my policy? You can ... How much coverage do I need? There are ... What does it mean to be in a no-fault state? A no-fault ...
Filing an Auto Claim with Another's Insurance Companyhttps://insurance.illinois.gov › auto_other_co_claim
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After an auto accident, one of the first things you may have to do is file an ... may not refuse to pay your agreed-upon property damage claim because the ... Under this law, you can generally collect damages if you are 50.00% or less at fault ... with another driver's insurance company, you do not have to pay a deductible.
What happens when you're in a car accident and not at fault?https://www.aami.com.au › on-the-road
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23/04/2019 — If the other driver is definitely at fault, but not insured, ensuring they pay for the damages can be a challenge. There are two potential ways you ...
What Should I Do After a Car Accident That Wasn't My Fault ...https://integrityspineortho.com › what-...
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Do you know what to do after a car accident where you were the no-fault driver? ... motorist coverage you can use if the other driver doesn't have insurance. ... you must use your own personal injury protection coverage to pay for injuries.
How Car Insurance Deductibles Work (with Pictures) - ...https://etchedactuarial.com › how-car-...
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22/09/2018 — Deductibles on your auto insurance are actually not as difficult to ... If you get in an at-fault accident and make a claim to your insurance company for ... You will have to pay $1000 towards the repairs and your insurance ...
Does your vehicle have the right protection? Best practices ...https://content.naic.org › article › cons...
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Medical Payment Coverage (MPC) pays for the medical and/or funeral ... Bodily injury liability insurance does not protect you or your car directly. If you ... No-fault states: If you live in a state that has no-fault laws – meaning there is no need to ...
Frequently Asked Questions About Insurance | belairdirecthttps://www.belairdirect.com › faq
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We're planning a long roadtrip to the U.S. Do we need to change our car insurance coverage?
What Is Collision Insurance: Standard vs Broad Form vs ...https://www.michiganautolaw.com › w...
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Collision insurance coverage helps pay your repair costs for auto accident damage. ... It is an optional coverage and it is not required by law. ... the Michigan mini tort or the No-Fault Law's Property Protection Insurance benefits), you will pay for ...
Michigan Auto Insurance Reform | Michigan No-Fault ...https://www.fmins.com › auto-coverage
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We're committed to helping our customers navigate Michigan auto insurance ... live with you have qualified health coverage that will cover auto accident injuries. ... The order of determining who will pay for a no-fault claim – called the “order of ...
Insurance - Lyft Helphttps://help.lyft.com › en-us › articles
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Rideshare and Essential Deliveries Insurance coverage are not stackable. ... Tap the vehicle that you want to see the insurance for. Tap 'Lyft ... This coverage is designed to step in regardless of whether or not you're at fault. ... Lyft may also provide first-party coverages such as medical payments (MedPay) or personal injury ...
What can I do if the at-fault driver's insurance company won ...https://www.freeadvice.com › legal
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17/12/2020 — What can I do if the at-fault driver's insurance company won't pay for ... own insurer: you will not recover the amount of the collision coverage ...
Common myths around car insurance claims busted - ...https://www.admiral.com › motor › eig...
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Lifestyle Guides. Eight car insurance claims myths busted ... “It wasn't my fault so I won't have to pay my excess, but if it is my fault, I do.” ... If you have an incident involving an uninsured driver, we may not be able to recover your excess for you.
Car Insurance Basic Information | The General®https://www.thegeneral.com › basics
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Need some help finding car insurance information? This page will guide you through the basics of how auto insurance works and need to know terminology. ... If you are at fault in an accident, the law requires that you pay the damages ... If part of your coverage is based on no-fault laws, it might be a good idea to find out if it ...
What If You're in a Car Accident with No Insurance, But Are ...https://www.knrlegal.com › what-if-yo...
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07/10/2019 — This can be a major problem if you cause an accident and leave another driver ... of insurance coverage for any property damage you may cause in a collision. ... You will also have to pay a reinstatement fee of $360 or your ...
Car insurance: Does it make sense to file small claims? - ...https://economictimes.indiatimes.com › ...
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So when should you claim insurance and when should you skip it? ... taken comprehensive car insurance and could get the insurer to pay for the repairs. ... Not fully convinced, Sharma felt that as his car was insured it was surely his right to ... 'deductible' amount specified in your car insurance policy as you would gain very ...