I was in an accident where my 2007 Hinda Oddysey was T-boned on the passenger side. I am not at fault. I have a $ 250 deductible on my policy. Can I claim the deductible from the other party who is at fault besides the damage to the car? I will also need to rent a car as a result of the accident but I do not have rental coverage on my policy. Can I claim rental reimbursement from the other party's insurance? Thanks!
Answer by Vic J
If you are not at fault, you don't pay a deductible. Without your own rental coverage, you are on your own renting a car, unless the person who hit you has rental coverage for you.
Answer by Mushu
It depends on who you settle with. If you are going through your own insurance, your deductible does apply. But once your insurance company pays for the repairs, they will go after the other insurance company to get your deductible reimbursed for you.
Deductibles are not a penalty, and no matter what anyone says, they always apply, regardless of fault (except in some rare cases). It is simply the portion of your repairs that you agreed to when you signed your policy contract. Kind of like a co-pay.
If you decide to settle with the other party's insurance company, they will cover you for a rental car while yours is disabled, and you won't have any out of pocket expenses for the repairs. Keep in mind they will need to complete their investigation and accept liability before they authorize a rental or pay for the damages.
Answer by Entidtil
If you are using your own collision insurance to pay (a smart thing to do), you will pay them your collectible and they will pay for everything and then go after the other guy and his insurance. When they collect, your deductible will be returned to you. If your policy includes rental coverage, they will pay for one for a limited time. I prefer to have my car repaIRED AT A BODY SHOP THAT PROVIDES A FREE RENTAL WHILE THEY ARE FIXING MY CAR. mORE AND MORE BODY SHOPS ARE PROVING FREE RENTALS THESE DAYS..
You should be asking your insurance company these questions. They can offer advice too.... remember...they are experts
(sorry for the caps...sticky button)
Answer by Venjamin
You can claim but if the other person has listed it in its insurance. Don't know why you are intending to pay the from your insurance. Read you insurance policy and then take the required step.
Add your own answer in the comments!
Orignal From: Auto accident claim on deductible?
Post a Comment