Most policies require that you pay an excess unless the cost of the excess can be recouped from the other driver who caused the accident. So basically if it wasn’t your fault and you got the driver who was at fault’s details.

What do you do if you are not at fault in a car accident?

You should absolutely call the police, whether the accident was a minor fender bender or a significant crash. If the accident wasn’t your fault, having an official police report will help you hold the other driver accountable for damages and repair costs.

Do you pay a deductible if you’re not at fault?

You do not have to pay your deductible if you are not at fault for the car accident. That being said, you might want to pay your deductible and file for damages with your own insurance company, instead of filing with the at-fault driver’s insurance.

What happens to your deductible when you are not at fault?

What Is Deductible Recovery? With deductible recovery, American Family will work through a process called subrogation. Subrogation is the insurance world’s way of saying, “we’re working on getting your deductible back because the accident wasn’t your fault.”

Do you have to pay your deductible if the other driver caused the accident?

If the other driver caused the accident, you would not pay a deductible because their insurance company will pay for the damages. However, if you decide to make a claim for damage to your own car, you will likely have to pay a deductible. How to Get Your Deductible Waived

What happens if there is no police report after a car accident?

The police will document the car crash, and preserve evidence that you’ve been the victim of a hit-and-run. This car crash police report allows you to put your insurance company on notice of a potential uninsured motorist claim. If you’re in a hit-and-run car accident without a police report, it may eliminate your ability to make a claim.

What happens if you are not at fault in a car accident?

Here’s what will happen: Your insurance company will pay for your damages, minus your deductible. Don’t worry — if the claim is settled and it’s determined you weren’t at fault for the accident, you’ll get your deductible back. The involved insurance companies determine who’s at fault.