Do I pay a deductible if I hit a car?


Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
 Secured with SHA-256 Encryption
writter logo
Written by
Freelance Writer
reviewer logo
Reviewed by
Licensed Auto Insurance Agent
UPDATED: 2021-03-01T20:54:05.575Z
Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
car insurance deductible after accident

Being in an accident can be a scary and stressful situation, especially if you’re at fault in the collision. Not only do you have to pay for the damages on your vehicle, but also the other vehicle that was involved.

Fortunately, your car insurance should help you through the situation. Your property damage liability insurance will cover damages to the other driver’s vehicle in an at-fault accident, while you’ll need collision insurance to cover damages to your own vehicle.

You won’t have to pay a deductible for the damage to the other car, but you will have to pay a deductible to have your car insurance cover the damages to your car. Let us explain.

Save Money by Comparing Insurance Quotes

Compare Free Insurance Quotes Instantly

ZIP Code must be filled out!

Secured with SHA-256 Encryption

What is a deductible?

When you purchase your insurance policy, if you opt to buy collision and/or comprehensive coverage, you’ll have to select a deductible. A deductible is the amount you’re responsible to pay out of pocket before your auto insurance policy covers the rest of the damages on your car.

The higher deductible you have, the lower your monthly insurance premium is. For example, if you have a $1,000 collision deductible and the damages from the accident on your car are $8,000, you’re required to pay the first $1,000 out of pocket and your auto insurance provider will pay the remaining $7,000 to repair your vehicle. Insurance will not cover their end of the cost until you pay your deductible.

What if I hit another car?

If you hit a car and are found at fault, you won’t have to pay a deductible for your insurance to cover the other driver’s damage. This is because liability insurance doesn’t have a deductible.

You only pay a deductible if you’re at fault and need repairs to your own car.

What if another car hits me?

Sometimes, it might take a lot of time for insurance companies to determine who’s at fault in the accident. Normally, you won’t pay your deductible if another driver causes the accident because their insurance company will cover the cost of damages.

If it’s taking awhile to determine fault, you may want to consider filing a claim to get your vehicle worked on sooner while waiting for the outcome of who’s at fault. If you’re later found not at fault after paying the deductible and getting your car repaired, you can get your deductible reimbursed.

Your insurance company may also file a subrogation claim with the other driver’s insurer. A subrogation claim is when an insurance company pursues legal action against either the at-fault driver or their insurance company.

What if my car is fine but the persons I hit isn’t?

You will not have to pay the price of your deductible if your vehicle is not damaged, but the car you hit is damaged. This is because if the person files a claim against you, you are protected under your liability insurance, which doesn’t have a deductible.

Choosing the right deductible

Deductible amounts can typically range anywhere from $100-$2,000, though the most common are $250, $500 and $1,000. Your deductible amount affects how much you pay monthly for your car insurance policy as a higher deductible means you’re responsible for more of the repair cost. When choosing how much to pay for your deductible you should factor in how much you can afford monthly and how much you can afford if an accident were to occur.

If you’ve been in a car accident and are unhappy with how your company handled the claims process, consider shopping for a new provider. Check out which companies other drivers rate as the best auto insurance in your state.

Save Money by Comparing Insurance Quotes

Compare Free Insurance Quotes Instantly

ZIP Code must be filled out!

Secured with SHA-256 Encryption


The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
 Secured with SHA-256 Encryption