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Coverage & Claims

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

You only have to pay a deductible when your collision or comprehensive coverage pays for damages to your vehicle after filing a claim, so no, you will not need to pay a deductible in this case. I also recommend reading this article regarding claims to see how this will impact your rate.
May 9, 2019 Scranton, PA

Coverage & Claims

Should I file old damage with my new company or my old company?

No, you would need to file the claim with the company you had at the time of the incident. They are the ones that would be responsible to pay for the damages since it occurred while you were insured with them.
Apr 4, 2019 Glens Falls, NY

Coverage & Claims

Do I pay a deductible for a liability claim?

You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
Dec 17, 2018 Chicago, IL

Car Insurance Costs

Is my insurance company responsible for balance after I've paid deductible?

Yes, if the damage is more than your deductible, then your insurance company should pay the remainder of the damages. There are some plans that will not transfer coverage to another vehicle but this is not common.
Sep 21, 2018 New Orleans, LA

Coverage & Claims

Should I file a claim for my son's accident?

When it comes to filing a claim there are a few things to keep in mind. First, is your son listed on your policy as a driver?
Aug 12, 2018 Los Angeles, CA

General Insurance

When do I have to pay my deductible

Simply put, no. Your deductible only applies to your car through your collision and comprehensive coverage.
Jun 24, 2018 San Antonio, TX

Coverage & Claims

One deductible for two accidents?

Unfortunately, you would have to file a claim for this damage under two collision claims. Now, most insurance companies will continue to charge you for an at-fault accident (which these would be considered for) for 3 years.
May 30, 2018 Nashville, TN

Coverage & Claims

$355 dollar of damage and $250 deductible should I file a claim

I would pay out of pocket. The rate increase from an at fault accident against her would increase her rates for 3 years.
May 11, 2018 Council Bluffs, IA

Coverage & Claims

Should I pay out of pocket for damage I caused?

I would not file a claim. Even if you have a $500 deductible, which is common, you would receive a $66 payout.
May 5, 2018 Mount Pleasant, MI


Are deductibles company specific?

While they are some company-specific deductibles, the standard ones are $500 and $1000. So it's unlikely you won't be able to get the desired amount for your collision or comprehensive deductible.
Feb 20, 2018 Tujunga, California
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