Insurance Deductible Not At Fault

There s a lot of confusion out there about what no fault insurance is and how it works. Or if you have collision coverage you can choose to go through your own insurer who will seek reimbursement including your deductible from the other driver s insurance company. Under the michigan no fault insurance law if you chose to have a deductible on your no fault coverage for auto accident related medical bills then you will have to pay the deductible even if you are not at fault and had nothing to do with causing the car accident.

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There is no concrete answer as to whether you have to pay the deductible when you are not at fault for an auto accident.

Insurance deductible not at fault. If the other driver is officially deemed at fault their insurance company can pay for your repairs if you choose and you won t have to pay your deductible. The at fault driver s insurance company so that the not at fault driver gets their. But even if the accident was not your fault your insurance rate may still increase. No fault insurance sometimes referred to as personal injury protection insurance pip can help cover you and your passengers medical expenses and loss of income in the event of a covered accident regardless of who is found at fault.

Filing a claim with your insurance company. If you aren t at fault in an indiana car accident there are two ways you can recover damages. American family receives money from another insurer e g. You have the option of waiting until the at fault driver s auto insurance provider reaches out to you to pay for your damages.

If you re in an accident and it is your fault your insurance rate will increase. If you are injured in an accident that was not your fault and you file under the liability insurance of the at fault driver then you do not have to pay a deductible. So let s start with a basic definition. How your insurance responds however depends upon your coverage the kinds of damage and injury you ve insured against.

Subrogation is the insurance world s way of saying we re working on getting your deductible back because the accident wasn t your fault basically subrogation is when one insurer e g. Your insurance premium could increase depending on the situation of an accident your history of making claims and the type of insurance coverage you have. In short you might have to pay the deductible stemming from an accident that you are not at fault for. You do not have to pay your deductible if you are not at fault for the car accident that being said you might want to pay your deductible and file for damages with your own insurance company instead of filing with the at fault driver s insurance.

In those instances where your company s investigator determines you were not at fault your insurance company may work to get the other party s insurance company to pay the deductible amount along with the other repair costs. Even when your not at fault collision has to be covered under the collision section of your policy your insurance company should still consider this a not at fault loss so it shouldn. If the at fault driver s insurance company agrees to pay for the damages up front then your insurance company will usually agree to waive your deductible. Deductible for no fault medical benefits.

The insurance company is supposed to pay the full costs of repairing your vehicle covering your medical bills reimbursing you for lost wages.