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How To Recover Your Deductibles From An At-Fault Driver

Let us presume that you’ve been in a collision where you weren’t at fault. In order to get access to collision coverage and pay for your car’s repairs you have to pay deductibles. But how do you recover your deductible from the at-fault driver? Find out more in this blog post. Also, get quotes for car insurance, for free, from our website.

car-insurance-policyIf you’re not at-fault in an accident, then you should not have to pay your deductible. Normally, the at-fault driver’s insurance company will pay your deductible. After the collision, the at-fault driver’s insurance company will estimate the amount of damage to your car. Then, they’ll pay you the required amount of money for repairs, or they’ll pay the amount your car was worth at the time of the accident (if the car was totaled). When you go through this process, you’re not filing a claim on your own insurance policy, so you don’t need to pay your own deductible.

However, some people recommend going through your own insurance company even if the other driver was at fault. There are some advantages for doing that. If you file a claim with your insurance company, you’re going to get money back faster than you would than when dealing with the at-fault driver’s insurance company. That company will try to delay payments as much as possible and prioritize its customers first.

Working with your insurer will begin the process of subrogation. Subrogation is defined as a legal right that allows one party (like your insurance company) to make a payment that is actually owed by another party (like the at-fault driver’s insurance company), then collect the money from the other company after payment has been made. Typically, your insurance company will pursue the subrogation process for you. You don’t need to do anything to recover the deductible – the insurance company will recover their payments and your deductible on your behalf.

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