Can someone else pay your deductible?
Asked by: Antonietta Ankunding | Last update: June 23, 2025Score: 4.9/5 (1 votes)
Does the other person pay my deductible?
In California, determining fault is crucial in deciding who ultimately pays the deductible. California follows a “fault” insurance system, meaning the driver responsible for causing the accident pays for the damages through their insurance company.
Is paying someone's deductible illegal?
The contractor will “absorb”, “waive”, or offer to pay the deductible. The problem is that it's not legal. It's all about the fact that the contractor, no matter what they say, needs to be paid that $1000. In many cases, that's their entire profit.
Why do I have to pay a deductible if it's not my fault?
Generally speaking, you owe the deductible whenever you use your own first party coverage to pay for damage to your car. Has nothing to do with fault, except that the at fault driver (and their insurance) may ultimately cover your damages, which includes your deductible.
What happens if I can't afford to pay my deductible?
If you can't pay your auto or home insurance deductible, you won't be able to file a claim and get your repairs covered.
Get SOMEONE ELSE to pay your deductible!
Can you make payments on your deductible?
With regard to healthcare deductibles, always ask if it's possible to negotiate a payment plan. The healthcare provider cannot legally waive the deductible but they can allow you to pay it over time.
Is it better to have a $500 deductible or $1000?
Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.
Do I have to pay my deductible if someone hits me in Geico?
Generally, when you have Geico collision coverage, an adjuster provides an estimate of damages. This allows the policyholder to go to a body shop, give it the insurer's estimate, and get the car repaired. The policyholder usually needs to pay a deductible.
Do you have to pay a deductible if someone hits your parked car?
With both collision and uninsured motorist property damage coverage, you may be responsible for paying a deductible before your insurance provider will help pay for the damage. Your coverage will also be subject to your policy limits, which is the maximum amount your insurance will pay for a covered claim.
Will insurance pay if deductible is not met?
(For example, if your deductible is $1,000, your plan won't pay anything until you've met your $1,000 deductible for covered health care services subject to the deductible.)
What is the law of deductible?
Regarding insurance, a deductible is an amount in an insurance claim that the provider deducts from a claim that must be paid by the insurance holder, or a deductible is the amount an individual must pay before the insurance begins paying out for claims.
Is it legal for a roofer to pay your deductible?
It is illegal for a contractor to pay, waive, or discount your insurance deductible. It is insurance fraud if homeowners don't pay their deductible. Some contractors offer waived or discounted deductibles as a selling point to their customers.
Do I have to pay my deductible if someone hits me on State Farm?
Your deductible is due to the repair shop once repairs are completed. If the other party is found to be at fault for the accident, we'll begin the deductible recovery process to reimburse you for the amount you paid for your loss.
Does your insurance pay if you are not at fault?
Who pays in a no-fault accident? If there's an accident between two drivers, each party's PIP coverage typically pays for their respective medical bills and/or wage loss up to their policies' limits, no matter who caused the accident.
Are deductibles shared?
Some plans have separate deductibles for certain services, like prescription drugs. Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.
Are deductibles transferable?
When an employee switches policies mid-year, they can request to transfer what they've paid towards their deductible in the current calendar year over to their new policy. This can potentially alleviate the employee from having to pay extra towards a deductible on their new plan.
How does insurance work if someone hits your car?
If someone on the street hits or sideswipes your parked car and you can prove who caused the damage, their insurance should cover you. If you don't know or can't prove who hit your car but have collision or UMPD coverage, your insurance should cover the damages.
Who pays the deductible?
Simply put, a deductible is the amount of money that the insured person must pay before their insurance policy starts paying for covered expenses.
Do I call the other person's insurance if they hit me?
You do likely have to talk to your own insurance company as they will need your account of what happened. There is, however, times when speaking to the other driver's insurance company will benefit you and will depend heavily on the specifics of your case.
How long does it take an adjuster to look at your car?
Usually, you'll hear from an insurance adjuster within three days of making the claim to discuss matters. If they need to survey the damage, it can be a few more days. If you use a repair garage that is affiliated with (or at least approved by) your insurance company, the process can speed up a bit.
Who do I pay my car insurance deductible to?
You typically pay your car insurance deductible after your car is fixed. Depending on your insurer and the situation, your insurer may pay the repair shop directly, minus your deductible — if that's the case, you'll need to pay the repair shop your deductible.
How much will insurance pay for a stolen car?
Car Theft Insurance: When Am I Entitled to Coverage? Downey drivers whose cars are stolen in Califonia will have car theft insurance if they have comprehensive coverage. That should cover you up to the Actual Cash Value (ACV) of your vehicle. If your car is damaged due to a break-in, you'll also be covered.
Is a credit score check required to get auto insurance?
Most insurers use credit checks to create a credit-based insurance score to help set your rate. Some insurers provide auto insurance with no credit check, which might seem appealing if you have a poor credit history.
Do you have to pay deductible if not your fault?
If your coverage includes a Direct Compensation and Property Damage (DCPD) deductible, you must still pay the DCPD deductible even if you are not at fault.
Do I get my deductible back if I'm not at fault?
Yes, if you have to pay your deductible and you were not at fault, you may be able to get it back from the at-fault driver's insurance company. This is called subrogation. Your insurance company will pursue the at-fault driver's insurance company to recover the money paid for the damages, including your deductible.