You won’t have to pay a deductible for the damage to the other car, but you will have to pay a deductible to have your car insurance cover the damages to your car.

What kind of insurance coverage pays to repair someone else’s vehicle that you damaged in an accident?

Liability Insurance Liability insurance covers you in the event you are in a covered car accident and it is determined the accident is a result of your actions. Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries.

How does insurance work when you hit another car?

If you hit another car, collision insurance pays for any repairs needed to your vehicle. Carrying collision coverage is optional yet a surprising 73 percent of drivers choose to carry it. It covers any damages to your vehicle after you pay your deductible.

Do you have to pay deductible for car insurance?

Nationwide says it is important to realize that full coverage helps provide the best possible protection, but you still have to pay your deductible if you cause an accident. Most states have minimum requirements for liability coverage, but you can usually choose the amount of collision and comprehensive coverage.

What happens if your car insurance is full coverage?

If you’re found at fault for an accident. liability will pay for damages you might cause to others. Nationwide says it is important to realize that full coverage helps provide the best possible protection, but you still have to pay your deductible if you cause an accident.

When does comprehensive insurance pay for car damage?

Comprehensive coverage pays for claims to your car when it’s damaged in a non-collision loss. This can include weather damage, vandalism, fire damage, and more. There is a deductible associated with this type of policy. Collision coverage pays for damage to your car when it’s involved in a moving collision.

What happens when you drop physical damage coverage on your car?

If you are carrying physical damage coverage on the car, the insurance company will give you a check for the depreciated value (actual cash value of the vehicle at the time of accident) minus your deductible and you are on your way to finding another vehicle to drive.