Reader’s Question:

Do I have to pay my deductible to have another vehicle fixed that I hit if there was no damage to my automobile in Fairfield, CT.

Anna

Fairfield, CT

No, you do not pay a deductible amount to have another vehicle fixed if the individual whose vehicle you damaged makes an auto insurance claim against your car insurance policy in Fairfield, Connecticut for the damages you caused in an accident.

If you are at-fault in an accident and the other driver makes an insurance claim against your property damage liability (this is what a third party claim called) then there is no deductible amount due by either you or the other vehicle owner. Your liability insurance pays for the damages without you owing a deductible.

If your own car was damaged and you used your collision coverage insurance then the deductible you had associated with this physical damage coverage would then be due.

Tags: auto insurance claims, car insurance