While you’re concerned in an accident, discovering out it’s essential pay a deductible earlier than your collision protection kicks in could be irritating. In the event you’re not at fault for the accident, you may additionally 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 chargeable for protecting your deductible will enable you navigate this tough state of affairs.
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 could be stunned to study that you’ll often find yourself paying your deductible for collision damages even in the event you didn’t trigger the accident. It is because even when the opposite driver is at fault, who pays the deductible is dependent upon whose insurance coverage the declare is filed by.
In different phrases, in the event you file a declare by your insurance coverage firm, they’ll cowl the price of damages to your automobile (as much as the quantity coated by your coverage) minus your deductible. Then, they’ll 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 by your insurance coverage. Must you resolve to contact the at-fault social gathering’s insurance coverage, you may wait till they pay for the damages. Nevertheless, ready for the opposite social gathering’s insurance coverage supplier to compensate you may take longer than most drivers wish to reside with out a automobile.
How Lengthy Till I Get My Deductible Again?
In the event you select to file a declare by 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 the intention 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 possibly take weeks to months to recuperate your deductible by the subrogation course of. Nevertheless, every declare is totally different, and time estimates differ based mostly on a number of components. A few of these embrace whether or not or not each insurance coverage suppliers are cooperative, and whether or not all the mandatory info relating to the automobile crash is available.
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