Ask An Agent


Get free insurance advice on demand



If I borrowed my mom’s car and was hit by an uninsured driver does she pay a deductible?

I was hit by a driver and not found at fault. The driver had no insurance, but my mom has uninsured motorist coverage. Do we have to pay a deductible?

Agent Answer


If your uninsured motorist coverage pays for the damage, you may have a deductible. Every policy is different so you will have to look at the specifics of your coverage. If there is a deductible it is typically $250, but again, every company is different. If your collision coverage pays for the damages, you will have to pay your full deductible. Also, if your collision coverage pays for the damages, it will likely be listed as an at-fault accident which can impact your rates for up to five years. You want to use your uninsured motorist coverage if possible.

Good luck and if you have any questions don’t hesitate to ask.

Was this helpful?

0 0
  • Didn't Find What You Were Looking For?

    Ask us another question and an insurance expert will get back to you with an answer.

Looking to save money on your car insurance?

Learn More