Question
Do I have to pay a deductible if I caused an accident?
I was backing up and hit another car with my bumper. There was no damage to my truck, but I broke their front bumper. When they file a claim with my insurance company, will I be required to pay my deductible?
Answer
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
You only pay a deductible for collision or comprehensive claims, not liability coverage
If you do not file a claim to have your car repaired you do not have to pay your deductible. Your liability insurance will pay for the damages to the other vehicle. Liability coverage does not have a deductible, meaning you will only pay a deductible to have your car repaired if your comprehensive or collision coverage pays for the damages. Good luck and if you have any questions, don't hesitate to ask. Check out our guide to When and How to File a Car Insurance Claim (featuring a claims calculator) for more information.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.
