Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Why do I have to pay a deductible if I was hit by an uninsured driver?

My car was hit while it was parked and the other driver took off. The police were able to track him down and he was found to be at fault. Now I am stuck having to pay my $500 deductible because the driver didn't have insurance at the time of the accident. Why can't my insurance company bill him instead of making me pay for the deductible when I was clearly not in the wrong at all for the hit and run?

Apr 21, 2017 Palmer, AK

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the repair process. You might want to consider taking the uninsured driver to small claims court if you aren't able to work it out with your insurance company. Or you could always contact an attorney to discuss the details of the incident and what options are available to you.
Ask an Agent
Have a question? We're here to help.
Ask an agent for free

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.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

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.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

If my friend gets a ticket while driving my uninsured car, who will it go to?

If your friend was pulled over without insurance, they would be the one to receive the ticket. However, if they caused an accident, the other party may be able to come after you AND your friend for damages. This is because you are the owner of the car and required by law, as an owner, to have insur…
Jun 26, 2018 Menasha, WI

Do I need a police report to file an uninsured motorist claim?

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know is if it would be possible to still get a police report and redo the claim. If they make you pay the higher deductible at the end of this, make sure they mark the cla…
May 26, 2020 Memphis, TN

Do I still need uninsured motorist coverage if I have Medicare coverage?

You may still want to carry uninsured motorist coverage to avoid complications with medical bills if you are hit by an uninsured driver. It's good protection to have in place if your bills are high.  On the issue of property damage, you are correct. Without uninsured motorist property damage c…
Dec 4, 2019 Arcadia, CA

If I hit someone and they don't have car insurance is it still my fault?

If you're determined at fault in the accident, you are responsible for the other driver's damages regardless of whether or not they're insured. You might be thinking of no-fault insurance, which Pennsylvania has voluntary participation in. This only refers to bodily injury damages an…
Jun 16, 2019 Lancaster, PA