My son had an accident , he was not fault,but i have to pay a deductible payment for my cars repair.Is it corr

Question

My son had an accident , he was not fault,but i have to pay a deductible payment for my cars repair.Is it corr

Answer 1

Yes, it is correct if you are filing under your own collision coverage.  If you file under the at fault party's insurance, there is no deductible but it can take MUCH longer to settle.  

Normally, the best thing to do is to file under your own policy, pay your deductible, get your car fixed & let your insurance company subrogate (go after) the other insurance company to get their money back and your deductible back. Once they are successful, they will return your deductible to you.  If there is any contributory negligence (say your son is deemed 10% at fault), you will get 90% of your deductible back.  If this was the case & you just went after the other insurance, you would only get 90% of the entire claim.

That is why it is normally better to file under you own policy.

Answer 2

You should not have to pay.

Take it out of his allowance.

Answer 3

Yes.  However, it can vary from state to state.  In MA, the deductible is waived if the driver is 50% or less at fault and the at fault party can be identified.   In your case, the insurance company will pay you less the deductible and file subrogation for what the paid you and the deductible.  This can take some time.  If thy only recover a portion of the amount because of your son's potential comparative negligence, it is possible you will only get that percentage of your deductible back.

Answer 4

That's what deductible mean - that much of the bill is deducted from the insurance payment and you pay for it.

If it was your son's fault you might have to pay for EVERYTHING.

Good Luck...

Answer 5

If you put the claim in under your policy, your deductible applies.  If the other person's policy pays the damage for your car, then your deductible does NOT apply.

So yes, if it's your insurance company, your deductible applies.  They'll try to get the deductible back from you, from the other person's insurance, but that can take six months to a year.

Answer 6

Some insurance company's charge a excess fee. This is normal. Check your small print.

Answer 7

This is normal and in fact the smart way to do it.  You pay your deductible to your insurance company, your insurance fixes your car, they will then go after the other party, if/when they collect they will return all or part of  your deductible to you.