Question

Do I have to pay a deductible if I hit someone but my vehicle is not damaged?

I rear-ended a Honda Civic at a stoplight with my truck. I have a big bumper replacement so I only lost a little paint, but nothing that needs to be fixed. Will my insurance company make me pay my deductible if I'm not getting my vehicle fixed?

Feb 22, 2017 Vienna, VA

Answer
Neil Richardson

Feb 22, 2017

In a case where you are considered at-fault in an accident, in Virginia, your deductible should only apply if your vehicle was damaged and you want it repaired by your insurance company. The only other time you should be subject to a deductible in Virginia would be if you are filing an uninsured motorist property damage claim. Long story short, you shouldn't have to pay your deductible in this situation.

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