Do you Have to pay your deductible if you’re not at fault for a car accident?
Watch this video or find out if you need to pay your deductible even if you are not at fault for a car accident.
So, for example, let’s say you’re stopped at a stoplight and you’re waiting for it to turn green. All of a sudden, you get rear-ended It’s not your fault at all. Whoever was behind you wasn’t paying attention and now you want to get your car fixed. You submit it to your insurance company, and they let you know you have pay a deductible.
Let’s say it’s $1,000. Do you really have to pay that $1,000, especially since the accident doesn’t seem to be your fault?
Well, in a situation like that, where it’s clearly not your fault and the other side admits that they are at fault, your insurance company may waive the deductible requirement. You can specifically ask them to waive the deductible since it’s clearly not your fault.
However, the insurance company is going to do their own investigation if they find that the other side disputes what happen. For example, if they say that you came to a sudden unexpected stop, then the insurance company may still have you pay the deductible until there’s more evidence confirming you’re not at fault.
So, the insurance company may waive the deductible if you’re not at fault. But be prepared if the other side is going to blame you because you may have to pay the deductible and get it reimbursed at a later point.