Is a deductible due when making any type of car insurance claim after a crash?
A deductible isn't associated with every type of car insurance coverage, so it will depend upon the kind of claim that is being made. (See “
What is a deductible?
Liability coverages are deductible-free.
For example, if someone hits you and you're making a claim against the driver's liability coverages, then you won't have a deductible due. If the other driver's auto insurance company finds that their policyholder was fully at fault, then their liability coverages should pay for damages to your car (
property damage liability
) and injuries (
bodily injury liability
), up to the person's maximum limits.
The same holds true if you hit someone and the other driver makes a claim against your liability coverages. There wouldn't be due a deductible due by you or the party making the claim.
But "full coverage" is different.
If you use your physical damage coverages of collision and comprehensive to make a claim for damages to your vehicle, then you'll normally need to pay out a deductible -- whether you're at fault or not. It doesn't matter if you lost control and
hit a tree
or a deer ran into your vehicle, a deductible would be due. (See “
What if I can't pay my deductible?
If you're not at fault in an accident and don't want to pay a deductible, then you'll need to go through the at-fault party's property damage liability coverage to make your claim. If you go through your own collision and make a claim, the deductible will be due and though your insurer may
with the other party, there is no guarantee that they will be able to recoup your deductible amount.
There are a few exceptions (that vary by state and insurer) regarding a deductible being due after a comprehensive or collision claim. For example, in some states your comprehensive deductible is waived for
. Also, sometimes if you're in an accident with another driver who is insured by the same insurer as you and you chose to make a collision claim, your deductible may be waived.
Other parts of your insurance also may come with a deductible, such as
personal injury protection
(PIP) if you live in a no-fault state. And, in some states,
bodily injury and uninsured motorist property damage come with deductibles. If you're making a claim against your own car insurance policy and are unsure if you have a
, review your policy and contact your agent if you need clarification.