Auto Insurance Deductible when you are NOT at fault

The deductible is the amount that you must pay out of pocket before your insurance coverage applies.  Some common amounts for a deductible are $500 and $1000.  The deductible is taken from the total value of the repairs to your vehicle.  For example, if the cost to repair your vehicle is $3,500 and you have a $500 deductible, you will pay $500 and your insurance will cover the remaining $3,000.

Now what if you were not at fault for the accident, do you still need to pay your deductible?  Deductibles generally apply when the damage to your vehicle is your own fault.  If the accident was caused by another identifiable driver who is insured, their coverage will pay for your vehicle's damages.  In this case you will NOT need to pay your deductible.  For this to occur the driver at fault must be identifiable, meaning a hit-and-run will still require you to pay your deductible.  The same goes for vandalized claims or any case where the at fault is not identifiable.  

Here at Apex Auto Center we try our best to provide the best services possible, including helping out with answering any of these questions that you have and if you need to pay your deductible in full.  An inconvenience that we can help you resolve.

-Apex Auto Center Inc.