While you’re concerned in an accident, discovering out you have to pay a deductible earlier than your collision protection kicks in might be irritating. For those who’re not at fault for the accident, you might also be questioning, Doesn’t the at-fault driver pay the deductible?
Submitting a automobile accident declare is commonly time-consuming. Understanding how the claims course of works and who’s accountable for protecting your deductible will assist you navigate this troublesome scenario.
Do You Pay the Deductible if Not At Fault for an Accident?
In a automobile accident, who pays the deductible relies upon just a few variables. For instance, what occurs if the opposite driver is at fault?
You is perhaps shocked to study that you’ll normally find yourself paying your deductible for collision damages even in the event you didn’t trigger the accident. It’s because even when the opposite driver is at fault, who pays the deductible will depend on whose insurance coverage the declare is filed via.
In different phrases, in the event you file a declare via your insurance coverage firm, they are going to cowl the price of damages to your automobile (as much as the quantity coated by your coverage) minus your deductible. Then, they are going to demand reimbursement from the at-fault driver’s insurance coverage firm.
Why Do I Pay the Deductible if Not At Fault?
You’ll pay your coverage deductible in the event you file a declare via your insurance coverage. Must you determine to contact the at-fault occasion’s insurance coverage, you possibly can wait till they pay for the damages. Nonetheless, ready for the opposite occasion’s insurance coverage supplier to compensate you possibly can take longer than most drivers wish to stay with out a automobile.
How Lengthy Till I Get My Deductible Again?
For those who select to file a declare via your insurance coverage supplier and pay your deductible, you’ll have to attend for the subrogation course of to be accomplished earlier than receiving reimbursement. Subrogation, or deductible restoration, is the method insurance coverage corporations undergo with a purpose to get reimbursed for damages they paid when their policyholder wasn’t at fault for an accident.
How Lengthy Does Deductible Restoration Take?
It may take weeks to months to get better your deductible via the subrogation course of. Nonetheless, every declare is completely different, and time estimates range primarily based on a number of components. A few of these embody whether or not or not each insurance coverage suppliers are cooperative, and whether or not all the mandatory info concerning the automobile crash is available.
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