Hey, Chris Clausen here. I’ve got a
question for you…Do you have to pay your deductible in the event you’re involved
in an automobile accident? As you probably know your policies “collision”
coverage, covers the damage to your vehicle to the extent that exceeds the
deductible. But, what if the accident was clearly not your fault? Let’s
say you’re sitting at a red light get rear-ended or maybe a car was hit while
parked. Do you still have to pay the deductible? Well, the answer is maybe not…
first let’s talk about what information you need to get from the other party in
the event you have an accident. You need obviously the drivers information, the
vehicle information, the registration information, and the insurance company
information. But hey the best way to do this is to use your cell phone take a
picture of the guys driver’s license, the registration and the insurance card. Now
once you have this now there are two ways you can go with the claim…the first
is you can go directly with the other drivers insurance company assuming you
got all the information we just spoke about. Now the advantage to doing this if
the other guy really is 100% at fault is they’ll pay to fix your car, might even
rent you a loaner while the car is in the shop. Now if you do decide to go this
way make sure you notify your insurance company for informational purposes
just in case them litigation shows up down the road…your insurance company
will be on notice and they won’t be able to deny the claim. The other way going is
you could put in a claim under your collision insurance. Now your insurance
company will pay to fix your car, minus the deductible, then they’ll go after the
other guys insurance company for reimbursement. When they do get
reimbursed from the other insurance company, you’ll get your deductible back.
That will just show up in the mail maybe six months from now. Hey, if you have any
questions about this or any other insurance give us a call (631) 744-1393 or send us an email [email protected]