Why is it fair that I have to pay the deductible when someone else hit my vehicle and ran?
I parked my car and rode with a girlfriend. I decided to get my car the next morning. That morning, as I approached my vehicle, I saw that it was sideswiped. My insurance company says I have to pay the $500 deductible to get the damage covered, how is this fair when someone else caused the damage?
Unless you had uninsured motorist coverage, paying the deductible to fix the vehicle is probably the only option in the event of a hit-and-run. So what your insurer is telling you sounds correct. Even with uninsured motorist coverage, a deductible usually applies, but in some cases, it can be reimbursed back to you.
If you have any questions, feel free to ask.