How much is the car insurance deductible when not at fault?

If you are not at fault in a car accident and the other driver is willing to accept blame and has adequate insurance, you don’t pay any deductible. This is because you don’t have to file a claim with your insurance company.

The case is different if the other driver has inadequate insurance or none at all and cannot pay you out-of-pocket for damages or medical treatment. If you have uninsured or underinsured motorist coverage, you can file with your insurance company and pay the agreed-upon deductible.

The usual amount in deductible is $500 which must be paid in full before the insurance company acts on the approved claim. If there are any exceptions, it will be stated in the insurance policy.

If you want to insist that the driver at fault cover all costs, you might have to go to court to get the money or appeal to his lawyer for some kind of settlement.


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